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What should I do if I can’t find the debtor on my credit card?

If the credit card debtor cannot be found, you can take the following measures:

1. Contact the bank: Contact the cardholder’s bank to report the situation to them and provide any relevant information. The bank may be able to provide further advice and assistance.

2. Collection agency: If the bank has entrusted a collection agency to collect the debt, you can contact the collection agency and explain the situation. They may ask you to provide relevant evidence or documentation and take appropriate action.

3. Consult a lawyer: Seeking professional legal advice is an option, especially when it comes to legal proceedings. An attorney can provide you with guidance and communicate with banks or collection agencies on your behalf.

4. Debt Management Plan: If you are unable to repay the balance you owe in full, consider discussing a debt management plan with your bank. This type of plan usually involves rescheduling debt payments to reduce the burden, but the specific arrangements need to be negotiated with the bank.

Summary:

When a credit card debtor goes missing, you should contact the cardholder's bank as soon as possible and report the situation to them. Seeking professional legal advice is also a solution. It’s best to work with a collection agency and develop a debt management plan if needed. Remember, every situation is unique, so it is recommended to act accordingly.

Extended information:

1. In China, the handling of credit card debts usually follows bank and related regulations.

2. Different banks and financial institutions may use different procedures to handle debt issues. Please consult the cardholder's bank for specific steps and requirements.

3. If legal proceedings or legal disputes are involved, it is recommended to seek professional legal advice.