Legal analysis: it can be negotiated. After being sued by the bank, the lender will receive a summons from the court. At this point, contact the loan bank quickly to apply for installment repayment or delay repayment. It is best to provide proof that you are temporarily unable to repay, such as poverty certificate, unemployment certificate, bankruptcy certificate, disease certificate, etc. In this way, the probability of successful negotiation with the bank will be much greater.

Legal basis: Article 50 of the Civil Procedure Law of People's Republic of China (PRC). Both parties can reach a settlement by themselves.

Article 148 of the Interpretation of the Supreme People's Court on the Application of the Civil Procedure Law of People's Republic of China (PRC), if the parties reach an agreement through conciliation or mediation and request the people's court to make a judgment according to the contents of the conciliation agreement or mediation agreement, the people's court shall not allow it. A divorce case of a person without civil capacity is represented by his legal representative. If the legal representative and the other party reach an agreement to issue a judgment, they may make a judgment according to the contents of the agreement.