Is Wanda Pratt & Whitney's lawyer's letter true

Lawyer Wanda Pratt & Whitney's letter is not true. Pratt & Whitney belongs to the online loan platform, which means that after the online loan platform is overdue, it entrusts the debt to a third-party collection agency, and the collection personnel disguise themselves as various identities to cause pressure in order to repay as soon as possible. The lawyer's letter itself will not have legal consequences, just a warning.