I'm sorry to tell you that it is meaningless for you to negotiate with the local branch or branch. Besides, the bank has always been very strong, and your default is overdue first. After the overdue freeze, you have no right to repay by installments. The credit card center of the head office of the bank will ask for full payment. Once the branch of the bank gives your dunning to the entrusted third-party dunning company, you are passive. The dunning company will "harass" you and your family every day, and even come to collect money. If the collection fails, the bank will sue you. The only thing you have to do now is to borrow money and pay it back quickly. Don't expect the bank to give you a grace period to repay it in installments.