Is Chen Xiaojun's lawyer's letter formal?

Chen Xiaojun's letter is formal. Bai Hua lawyer Chen Xiaojun's letter is true. Users can refer to the Bai Hua User Service Contract, which clearly stipulates that users should recover their debts through legal means, such as entrusting appropriate professional companies, law firms and other legal and compliant institutions to collect them on their behalf. In addition, Xi Cai Jun went to consult the official customer service of Alipay, and the other party said that if it is overdue for a certain period of time, it may indeed be sent. A certain period of time refers to how long it is overdue. The customer service expressed uncertainty, which is subject to the contact of the staff after the loan.