Legal analysis: The borrower should verify the authenticity of the dunning letter after receiving it. If it is true, it should repay the arrears in time, or negotiate with creditors to postpone the repayment. If it is not handled, it may be sued by creditors. The legal loan relationship is protected by law, and the borrower should repay the loan according to the contract. If the loan is not repaid as agreed, the lender may send a dunning letter to the borrower. When signing a loan contract, some regulations are generally made for loans overdue. If the loan contract is overdue, there will generally be a penalty interest. For different financial institutions, the amount of penalty interest and the interest generated are different. However, as an expense that should not be spent, it is better not to generate it.

Legal basis: Article 678 of the Civil Code of People's Republic of China (PRC), the borrower can apply to the lender for extension before the repayment period expires; If the lender agrees, it can be extended.