As long as the credit card is overdue for a long time or the amount is large, you will basically receive a lawyer's letter from the bank.

This lawyer's letter is more meaningful as a means of bank collection. The ultimate goal of the bank is to recover the arrears and make the debtor realize that the bank may sue. So receiving a letter from a lawyer does not mean that you will definitely sue.

Actively negotiate repayment:

1. Express repayment willingness to the bank:

When a credit card is overdue, you must never ignore it. First of all, you should get in touch with the bank to show your current economic situation and express your willingness to repay. I hope that the bank will coordinate and customize a reasonable repayment plan, and then work hard to make money and pay off the arrears slowly.

2. Ensure smooth communication:

Bank staff will continue to contact you after the deadline, but don't deliberately avoid these calls. After connecting the phone, you should make clear your willingness to repay and the current economic pressure in time and beg for a period of time.

During the overdue period, you must keep the mobile phone communication unblocked, so that the bank can contact you immediately when it wants to contact you, and will not cause more serious consequences because of poor communication. Besides, we should also know about relevant laws.

According to the law, as long as you try your best to repay, even 100 or 200 is not a malicious overdraft. Obviously, I will refund the money, but due to our own economic factors, it is really difficult to repay it in full, which is also very important.

3. Phased negotiations:

If the cardholder really can't repay the amount required by the bank, he can apply to the bank for an extension, or take an installment policy, sign a personalized installment agreement, repay the money according to the agreed amount every month, avoid being sued, let the cardholder return to normal life, stop collecting penalty interest and stop collecting money.

4. Don't be scared by phone harassment:

If you receive a dunning call within the overdue period, please confirm whether it is a bank employee during the communication process, and record the call and save the evidence.

Explain your independent position on debt, and don't involve your family, friends, colleagues, etc. For malicious collection, you can reserve the right to sue through legal channels to ensure that external collection will not hurt your family and friends.

When you receive a letter from a lawyer, you should treat it positively and handle it. The main function of the lawyer's letter is to remind and warn the debtor and urge the debtor to repay as soon as possible. Because you owe money for a long time, the bank will send it to your lawyer. Don't worry too much. If there is no malicious overdue after receiving the lawyer's letter, you must negotiate with the bank for repayment as soon as possible.