Hello! This is the usual trick of banks. If the bank urges money, it will entrust an outsourcing company to collect it at home, which is nothing more than a threat. The outsourcing company has no right to report the case, and the bank has the right to detain the unpaid vouchers of the factory, but the overdue principal must exceed 1 10,000. Your situation is not up to the standard of declaration, but you must communicate with the bank to show that you have the intention to repay, so you must repay it every month. There is no way out. I hope I can help you, please adopt!