Legal analysis: Explain your situation and any difficulties. Negotiate with the bank on how to repay the debt, and issue a mediation letter when consensus is reached.

Legal basis: "Civil Procedure Law of the People's Republic of China"

Article 93: When hearing civil cases, the People's Court shall based on the principle of voluntariness of the parties and when the facts are clear Basically, distinguish right from wrong and mediate.

Article 96: An agreement reached through mediation must be voluntary by both parties and must not be forced. The content of the mediation agreement must not violate legal provisions.

Article 97: When an agreement is reached through mediation, the People's Court shall prepare a mediation letter. The mediation letter shall state the litigation claims, the facts of the case and the mediation results. The mediation document shall be signed by the adjudicator and the clerk, stamped with the seal of the People's Court, and served to both parties. The mediation document becomes legally binding after it is signed by both parties.