佰仟金融的律师函寄到我家，而我已经还清款项这个属于什么？

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首先我们要知道律师函是存在真伪的，因为很多第三方催收公司为了尽快拿到业务提成，会用效率最高，成本最低的方法来进行催讨，这样才能使利益最大化，这时催收公司往往就会不择手段。尤其当借款人对债权债务这方面的相关法律认识较少时，往往一纸律师函会起到很大的威慑作用，催收公司大部分律师函的告知方式会采用短信文字或彩信拍照，也有少部分会采取邮寄的方式，但只要你冷静的面对问题，你就会发现，很多网贷催收发来的律师函根本就是子虚乌有的！