You can pay back 500 yuan first.
Details:
1. You owe 5,000 yuan and have not repaid it for more than half a year, which is a breach of contract. Someone claiming to be a lawyer calls you and threatens to take legal action against you if you don't pay back the money you owe within three days. This is a very serious threat and needs to be taken seriously.
2. If you owe RMB 5,000, you can choose to repay RMB 500 first. The advantage of this is that it shows your willingness to repay and reduces the overdue amount. However, please note that even if you repay the five hundred dollars, the remaining balance still remains and the breach of contract has not been resolved. The other party may still have the right to sue you to recover the amount owed.
3. Although you proposed to pay back 500 yuan first, please remember that this is not a complete solution to the problem. The principal you owe is still outstanding, and more past-due interest and fees may accrue. In order to avoid legal disputes and more serious consequences, it is recommended that you communicate with the credit card company as soon as possible and actively resolve the debt issue.
Extended information:
Late repayment will affect your credit record and may lead to a decline in your credit rating. At the same time, the credit card company may take legal measures to hold the debtor responsible. Credit card defaults are civil disputes, and relevant laws stipulate debt collection measures that credit card companies can take. If litigation occurs, the court may order you to repay the entire amount owed, plus penalty interest and liquidated damages. Therefore, it is recommended that you negotiate with the credit card company to resolve the debt issue as soon as possible to avoid legal disputes.
Summary:
After you receive a phone threat from someone claiming to be a lawyer, you can choose to pay back 500 yuan first to show your willingness to repay. However, this is not a final solution to the problem. The arrears remain and could lead to more serious consequences. In order to avoid legal disputes and damage to your credit record, it is recommended that you proactively contact your credit card company to actively resolve the debt issue.