First of all, overdue prosecution does not mean that both parties can no longer negotiate. Court prosecution is only a means to resolve disputes, and the possibility of negotiation is not ruled out. Both parties can still negotiate on the repayment method, interest, liquidated damages and other aspects of the arrears, and find a mutually acceptable solution.
Secondly, the result of negotiation often depends on the opinions of both parties, the discretion of the court and the specific situation. If the debtor has a positive attitude and shows the sincerity and ability to repay, the court will usually encourage both parties to resolve it through consultation. Even if the debtor is unable to repay at present, he can reach a repayment plan through negotiation and gradually repay the arrears according to the specific situation.
Finally, the advantage of negotiated settlement is that it avoids more complicated and long-term litigation procedures. Through negotiation, both parties can reduce attorney fees, time cost and energy input, and realize a faster and more efficient solution. In addition, negotiation can also reduce the impact of bad credit records on personal credit evaluation and future lending.
Extended data:
According to the provisions of China's Civil Procedure Law, the creditor can sue the credit card for overdue payment and demand the debtor to fulfill the repayment obligation. However, in practice, the court still encourages both parties to negotiate, and can decide whether to suspend or suspend the proceedings according to the actual situation of both parties and the progress of the proceedings. This provides a certain space and opportunity for debtors to resolve disputes through consultation.
It should be noted that the specific circumstances of each case are different, so the negotiation results will be different. The debtor should actively communicate with creditors, show his willingness and ability to repay, and put forward a reasonable repayment plan. At the same time, creditors also have the right to put forward their own opinions and demands according to the debtor's situation and repayment ability. Both parties should understand each other, negotiate on an equal footing, reach a consensus within the legal scope, and solve the problem of overdue payment.
In short, even if overdue credit cards have been prosecuted, they can still be negotiated in China law and practice. The result of negotiation depends on the opinions of both parties, the discretion of the court and the specific situation, and a mutually acceptable solution can be found. Through negotiation, cumbersome litigation procedures can be avoided, time and energy costs can be reduced, and the impact of bad credit records on personal credit evaluation can be alleviated.
The above answers are all based on the relevant laws and practices of our country, and I hope to help you. If you have further questions, please consult relevant professionals or legal institutions.