Do you owe money yourself? What is owed is true, and what is not owed is a liar. A lawyer's letter is a notice, and it has no meaning in itself. It just tells you that if you don't pay back the money, you will sue. Because prosecution will increase the economic cost and time cost of both parties, it is best to send a letter to urge them to take the initiative to pay back the money instead of going to court.
Personally, you know best whether you owe money or not. The lawyer's letter has clearly told you that as long as you pay back all the money before the lawyer takes measures, there will be no more problems and no one will contact you again, so you don't have to worry about receiving such letters again.
Therefore, what you need to do is not to question the authenticity of the lawyer's letter, but to pay back at all times according to the reasons stated in the lawyer's letter. Otherwise, it won't help if you question it again. You should return it at any time, and you can't hide it.
Moreover, the lawyer's letter also tells you that if you have any questions about this, you can directly contact Bai Hua Customer Service for consultation, and the telephone number is also provided. 95 188 is the only official customer service phone number of Alipay. The lawyer's letter does not ask you to contact their law firm, but to contact your creditors, which is enough to prove that this lawyer's letter formally entrusts them with full authority to handle this matter.
Therefore, what you can do is to pay the loan quickly, and there is no need to question the rest. Otherwise, the longer it takes, the worse it will be for you, the worse your credit will be, and the harder it will be to recover it in the future.
In short, the only way to avoid the recurrence of similar incidents is to do what you can, spend moderately and never go ahead.