Secondly, if the other party is serious about helping you negotiate, if it is using crooked ways to help you negotiate, then you are in danger, because the other party does not rule out threatening to negotiate by digging a hole for the bank or its entrusted personnel and then collecting evidence to complain to the regulatory authorities. If the bank knows that the circumstances are bad, it may directly sue you, and these people will also be alerted by financial institutions for instigating or instructing others to disrupt the financial order through improper means.
Finally, I personally suggest that if the credit card is overdue, you can negotiate with the bank to stop payment and charge. As long as you haven't lost contact before and refused to pay back, it's not a demon for the bank. At present, the bank will generally agree to stop paying and collect it by stages, because their purpose is to hope that you can pay back the money, even if it is little by little. If you have other questions, please pay attention to me. I hope it helps you. I hope it can be adopted. Thank you.