You can find someone to help you, but generally it is the intermediary who helps you with the business, which will involve whether there is any suspicion of fraud. If it is a formal institution, it is ok to help users stop paying bills on their behalf. 1. When I stop paying my account, can I ask someone to help me? 1. I can find someone to help me when I stop paying my account, but it is usually the intermediary who helps me with this business, which will involve whether there is any suspicion of fraud. If it is a formal institution, it is ok to help users stop paying bills on their behalf. However, some institutions are not qualified to operate, and users need to be alert to these institutions for the purpose of defrauding users' personal information. 2. If the user has no special circumstances, please handle the payment stop business in person. After submitting the application, the bank may not agree to stop payment. 2. The specific operation method for an individual to apply to stop paying interest is 1. To sort out your debts and contact the bank actively, you must first sort out your debts, including the total debt, installment amount, interest and liquidated damages. Then, you have to calculate the repayment amount you can afford, subtract the necessary expenses from your monthly income, and pay back all the rest. This step is very important, and it is an important step to show the bank the willingness to repay. Finally, take the initiative to contact the bank and tell you the current situation, the reasons why you can't repay, the income and the repayment plan. After submitting the application, I will wait for the phone call from the bank. 2. When answering the collection phone, be sure to record it, just like when we call customer service, the other party will record it. We should also remember to record when answering the phone. Tell the other party clearly that you have recorded it, and then ask the other party's identity, whether it is a third party collection or a bank collection, and so on. Then, calmly tell him your current situation and the reasons. And tell him that you have already negotiated with the bank, and then the collection calls in this state will be significantly reduced. 3. It must be well founded. When you receive a return call from the bank in accordance with the law, you must first determine whether the other party is a bank employee, job number and so on. When negotiating, you should first show your willingness to repay, and then show that your current income can no longer cover the repayment amount. At the same time, remember to inform the other party of your current special situation, but you can't repay in full.