To solve the debt problem, we must solve it fundamentally. When borrowing debts, we must determine the debtor's repayment ability, let the debtor mortgage the property, or find a client. If the debtor fails to repay the loan according to the contract date, the lender can reduce the loss.

Legal basis:

Article 68 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks, the issuing bank shall collect money from the debtor himself and his guarantor, and shall not collect money from a third party unrelated to the debt, and shall not use improper means such as violence, coercion, intimidation or abuse to collect money. The collection process shall be recorded and the recorded materials shall be kept for at least two years for future reference.