Usually, the real lawyer's letter will have the lawyer's signature and phone number, and the existence of law firms and lawyers can be found through the website of the Lawyers Association. Calling the law firm can judge the authenticity of the lawyer's letter. Once the lawyer's letter is verified, I suggest you repay it as soon as possible. Once the court confirms that it has the ability to repay and refuses to repay, it will be included in the list of untrustworthy people, which will have a great impact on daily life in the future.
Although in some cases, the court summons cannot be served on the parties due to the change of the borrower's residence or intentional hiding, in this case, the court will adopt the way of using electronic summons.
However, in most cases, the court will still use a paper version of the lawyer's letter or summons to let the parties sign for it when they receive the courier. So in most cases, the credibility of electronic subpoena or lawyer's letter is not that high.
In order to ensure your good credit record and not affect your personal life, I suggest you repay the loan as soon as possible. If it is found that the interest of the loan product exceeds the annual interest rate of 36%, you can use legal means to safeguard your legitimate rights and interests and repay the part that should be repaid.
A lawyer's letter refers to a professional legal document made and issued by a lawyer to disclose and evaluate relevant facts or legal issues, and then make a request to achieve a certain effect. A lawyer uses a lawyer's letter to make a legal evaluation and risk assessment of a fact, with the purpose of informing the client of the legal facts with the legal scale and the lawyer's judgment, so that the client can get his own "legal evaluation", that is, "conveying the law to express his own meaning".
Lawyer's letter is essentially a legal act of entrusting an agent to express his will, which plays an important role in safeguarding the legitimate rights and interests of the parties. However, the lawyer's letter is not really effective and needs the approval of the court. If the court does not recognize it, it is invalid.
legal ground
People's Republic of China (PRC) Lawyers Law
Article 29 As a legal adviser, a lawyer shall, in accordance with the agreement, provide advice to the client on relevant legal issues, draft and review legal documents, participate in litigation, mediation or arbitration activities as an agent, handle entrusted legal affairs and safeguard the legitimate rights and interests of the client.