The court will not directly participate in the judicial confirmation of credit card installment repayment. According to the relevant information, the court will not immediately judge enforcement after the creditor sues the debtor to the court. The court will give priority to the out-of-court mediation between the two parties, and hold a consultation on the arrears to see whether the debtors have enough willingness to repay and whether the creditors can accept the plan of negotiating repayment by installments. After the court enforces the debtor, it also has an opportunity to negotiate repayment. The debtor found the executive judge, told the executive judge about his situation and expressed his willingness to negotiate repayment. The court will also organize both parties to conduct out-of-court mediation again. The court is a state organ generally established in all countries of the world.