The so-called lawyer in the bank is actually the staff of the debt settlement department in the bank, who knows some legal knowledge. The bank is trying to scare you, and he will certainly not sue you, because the court needs to file a case for evidence, and the steps are very cumbersome. If the bank sues you again, it will cost money. Banks themselves know which is more important. However, you must pay back the money, no matter how much, bit by bit. This will show your sincerity.

If the bank calls for dunning and fails to repay the loan, the bank will bring a lawsuit to the court.

According to the contract signed at the time of credit card processing, the issuing bank will sue the court, and the court will take measures such as property preservation, including freezing the deposits in all bank accounts of the debtor and sealing up the pledged property.

After the judgment is made, the property will be enforced according to law (deducting deposits, auctioning collateral, etc.). ) to pay off the debts of the bank.

Specifically, it includes: default of principal, default of interest, overdue interest, default interest, all litigation costs arising therefrom, and related expenses incurred when disposing of pledged property.

If the person subjected to execution has the ability to perform and fails to perform the obligations specified in the effective legal documents, and under any of the following circumstances, the people's court shall include him in the list of people subjected to execution for dishonesty and impose credit punishment on him according to law.

(1) Obstructing or resisting execution by forging evidence, violence or threats;

(2) evading execution by means of false litigation, false arbitration or concealing or transferring property;

(3) Violating the property reporting system;

(4) Violating the order of restricting high consumption;

(five) the person subjected to execution refuses to perform the execution settlement agreement without justifiable reasons;

(six) other people who have the ability to perform and refuse to perform the obligations specified in the effective legal documents.