1. You can contact the bank first to confirm the solution. The debtor can give the bank a repayment plan. If the bank accepts it, there will be no problem as long as the performance is performed according to the regulations.
2. Although the other party is not suing after receiving the lawyer's letter, it cannot be ignored. According to the regulations of the bank, the legal department of the bank will file a lawsuit according to the procedure. After formally filing a lawsuit, it will generally receive a court summons within two weeks.
Legal basis
Article 6 of the Interpretation of the Supreme People's Court and the Supreme People's Procuratorate on Several Issues Concerning the Specific Application of Laws in Handling Criminal Cases of Impairment of Credit Card Management, if a cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and fails to return it for more than 3 months after being repeatedly urged by the issuing bank, it shall be deemed as "malicious overdraft" as stipulated in Article 196 of the Criminal Law.