1. There will be room for manoeuvre when negotiating with the bank authorizer who is specifically responsible for the debts owed by both parties. Ordinary employees have no authority;
2. Sending a lawyer's letter is just a process. The purpose is to inform both parties that the bank is now taking legal procedures. In fact, most components are just going through the motions;
3. Civil cases do not involve public security departments. If the parties disappear, the crime of credit card fraud may be established. If you don't run, it belongs to the category of civil cases, and there will be no public security organs involved;
4, it will affect personal credit and have a certain impact on applying for loans and credit cards in the future.
People's Republic of China (PRC) Civil Procedure Law
Article 113
The people's court shall send a copy of the indictment to the defendant within five days from the date of filing the case, and the defendant shall, on the day of receipt,
Submit the reply within 15 days. If the defendant submits a defense, the people's court shall send a copy of the defense to the plaintiff within five days from the date of receipt. If the defendant fails to submit the defense, it will not affect the trial of the people's court.