You didn't cherish the two opportunities you were given, just saying that you have the ability to pay back without the ability.

1, for various reasons, we can't keep our promise. The second time, the bank communicated with you to negotiate the plan, and you agreed. If you break your promise, you will be punished again. Now, I don't want to keep my promise. How do you want the bank to believe you?

If you were given a third chance, would you keep your promise? In fact, you already have the answer in your heart.

I suggest you honor your promise and be a man of your word.