Pay back the minimum amount stipulated by the bank first to reduce the punishment; The bank will only sue the court if you don't respond. Working hard or moving, the bank will not be too heartless! Worst of all, the bank will sue you in court for fear of the seller's property. Secondly, your guarantor and your credit will be seriously affected. Maybe you can't get a credit loan all your life, and you can't do anything else, because now the second-generation ID card is networked and credit has accumulated. Do your best to pay back.