Bai Hua's arrears 1 ten thousand yuan. What should I do if I receive a lawyer's letter within half a year?

1. If the borrower receives a letter from Bai Hua, the only way to deal with it is to repay the loan according to the requirements in the letter, and never ignore it, otherwise it will be his own loss. Because Huayuan has fully accessed the central bank's credit information, there will be overdue records in the credit information. Of course, users can also choose to pay off the loan in advance after using the flower garden, but remember not to overdue the repayment, which will affect the personal integrity of consumers to a certain extent. Even if it is overdue, it must be repaid within three days, otherwise the consequences will be at your own risk.

2. If it is a malicious overdraft, it may be suspected of fraud, and criminal responsibility shall be investigated according to law. Article 266 of the Criminal Law: whoever defrauds public or private property in a relatively large amount shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or public surveillance, and shall also or only be fined; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than three years but not more than ten years and shall also be fined; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined or confiscated.

The best way to deal with insolvency.

1. First of all, users can try to negotiate repayment and show their willingness and ability to repay. They don't need to deal with the situation directly with the customer service department after the loan, even if they can't apply for relief, they can postpone it.

2. Of course, the specific negotiation results are different, some users have reached the expectations, and some users have been flatly rejected. Secondly, users need to find other sources of income, and only when they have money can they get rid of debt. Users can use the grace period given by the platform to make money, and then they can repay part of the debt first, thus reducing the debt. The platform will identify the repayment attitude of users.

3. Finally, if users don't negotiate, it can't be reduced or delayed. It's best to find relatives and friends to find ways to turn around first, and then go to work to increase the source of income repayment for relatives and friends. But for the user's personal credit requirements, this is relatively high. If they are often unfaithful, then they may borrow money.