He urged you to pay it off in one lump sum, mainly because of your malicious breach of contract. I owe 2700 yuan, in fact, the minimum monthly payment is about 500 yuan, so I can't borrow it again. If you don't pay it back, not only will your credit be damaged, but the late payment fee will be enough for you.

No matter what method you use, you must pay back the money first. There won't be a second time in a year, and your credit damage will be cancelled in two years.