The bank entrusted this matter to the law firm, which is nothing more than one thing, that is, you did not repay the consumption amount in time, and it was a period of time. Because under normal circumstances, the bank will urge you first, but you still don't repay the loan according to the specified time. The bank will hand it over to the relevant departments to urge you to repay. (Some banks even use debt companies to urge you,,,,)
Future consequences:
As long as you return the money to the bank with interest, it's generally no problem. However, you may encounter unexpected troubles in handling various banking services such as loans in the future, because the bank will lower your credit rating because you are late in repayment (and this is permanent and effective, and the bank is still networked), so try to repay within the specified time in the future.
Pay attention to one thing:
No matter to the bank, to myself, to others, to friends,,, we should put credit first, and life after losing credit will be boring. I hope I can help you.