If I don't go to the bank, I won't do anything to you.

Now your debt is still in the hands of the bank. If you don't pay it back for a long time, the bank will hand over your debt to the dunning company and ask them to call you or call you for dunning. They won't do anything to you.

If you can pay it back, try to pay it back as soon as possible, because interest will be generated every day, late fees will be generated every month, and your credit history will also produce bad records. If personal credit is good now, many online loan companies can get the money. Credit records will become more and more important in the future, which is the most deadly.

If you are really at the end of your rope at this stage and can't pay back, then let it be. After a few years, call the bank to reduce the interest and pay it off in one lump sum.

It is annoying to call the company every day. Unless you change your mobile phone, you have to deal with them every day.

Good luck.