Gitzo loan is an online loan. Although Gitzo is relatively formal, the interest rate of Gitzo's products is very high, even reaching the level of usury. I suggest you check your loan interest first. You don't need to repay more than 35% interest, you need to take the initiative to repay the arrears. As for your question about the lawyer's letter, I will answer it in detail through the following points.
First, this lawyer's letter may not be true.
The reason is actually very simple. Nowadays, many small loan companies will send professional collectors, who will increase the psychological pressure on borrowers through various means, and the so-called lawyer's letter is one of them. In other words, this is just a collection method, and it doesn't need to be too serious. If the overdue amount is large and the overdue time is long, it is necessary to reconsider the authenticity of the lawyer's letter at this time.
Second, malicious overdue may indeed receive a letter from a lawyer.
One of the criteria for malicious overdue is the maximum amount, and the other is that the overdue time is particularly long. If your overdue amount has exceeded 30,000 yuan and the overdue time has exceeded 6 months, a lending institution will indeed take you to court. But for those users whose loan amount is not very high, these so-called lawyer letters are probably just a scam.
Third, you need to actively repay the arrears.
Whether this lawyer's letter is true or not, you need to actively repay the arrears. Gitzo's installment loan to the bank for credit investigation means that your overdue behavior has been reflected in the credit investigation. Now is the credit society, a person's personal credit will affect all aspects of life, I suggest you cherish personal credit and don't do anything that hurts personal credit. Not only that, a large number of malicious overdue will also make you bear legal responsibility, and then it will not be worth the candle.
To sum up, you should actively pay off your debts and don't borrow such online loan products in the future.