Credit card debt restructuring should be negotiated with the bank. If the repayment ability is insufficient due to special circumstances, the credit card will expire soon. Under normal circumstances, you can negotiate with the bank to repay the loan in installments. However, personal consultation is short-term and interested in stages. Debt restructuring is negotiated by the entrusting institution. Is to negotiate with the bank through legal channels. Lawyers in different places charge different fees.

Legal basis: Article 107 of the Civil Procedure Law stipulates that the parties shall pay the case acceptance fee in accordance with the regulations when conducting civil litigation. In addition to paying the case acceptance fee, property cases also pay other litigation fees in accordance with regulations. Creditor's rights and debts cases belong to property cases, and the legal fees of creditor's rights and debts cases shall be implemented according to the charging standards of property cases, except for the case acceptance fees.