Yes, the ultimate goal of the bank is to make you pay back the money. After writing, you can waive some penalty interest and liquidated damages! Why not do it? There are many debtors. After the credit card or online loan is overdue, there is no money to pay it back. Some people will have this mentality: sue if you like. Anyway, I have no money to pay back, and I'm going to start giving up on myself. But when you are sued for judgment, you will be the first to freeze your bank card, Alipay and WeChat. The second point will limit high consumption. The third point may require you to declare your property and income. Therefore, when we have a debt crisis, we should first adjust our mentality, don't give up on ourselves, avoid problems and face them correctly. After all, the solution is always more difficult than it is! When you are overdue or about to be overdue, please do it! After online loans, credit cards and flowers are spent in loans overdue, you can negotiate with Taiwan Province to stop payment, delay repayment and so on! If you can't handle it in person, you must find a professional lawyer to help you handle it. You can postpone the debt for up to 3 years or handle it in 60 installments! There is another kind of person who thinks about how to commit suicide because he can't bear the debt. This is the least desirable solution. Everyone is an adult, not to mention the old and the young, but his parents must have it. Have you considered how much pain your extreme behavior will bring to your family? You can earn money without money, but you only have one life; Don't give up so easily when there is no way to repay the debt in one lump sum. You can also negotiate with the bank to repay it in installments. The purpose of the bank is to make you pay back the money. Only by mastering the skills and methods of communication can all negotiations succeed. So, if you are in debt, don't lose heart. If the debt problem is handled properly, you can work with peace of mind to make money and pay off debts. It is impossible to make a one-time liquidation when the debt is overdue. From the moment of debt, you should be mentally prepared. This must be a long-term consumption process, so you must have a plan, how to pay it back, how to pay it back several times, come on, and work hard to get ashore!