The prosecution rate of Everbright Bank is not very high compared to other banks.

If it is indeed overdue due to temporary inability to repay, you can proactively communicate with the bank, proactively explain the reasons for the inability to repay, and negotiate with the bank for installment repayment. The important thing is that after making an agreement, you must follow the agreement. Repayment can effectively avoid being sued because there is a fact of voluntary repayment.