You need to contact the bank in time to inquire about the details of overdue funds and pay them off as soon as possible. If you have difficulty in repayment, you can communicate with the bank first and try to make a repayment plan.

At the same time, you need to keep all relevant documents and certificates in the process of handling the subpoena. If you need legal aid, you can consider seeking the help of a lawyer. However, it is best to avoid overdue repayment. You can set the date of automatic repayment or early repayment in advance to avoid unnecessary troubles and expenses caused by overdue repayment.