If you haven't borrowed it, you'd better tell customer service.

After losing contact, you can't imagine how the collection will find you. Unfortunately, the emergency contact you made an appointment with. The best advice is not to lose contact and negotiate to reduce repayment. Although it can't be divided into stages, it can reduce the repayment at one time. After all, the lender is a bank, so it is not the way to escape. If you don't have time and energy to answer the phone, you can find a professional collector, which can avoid the problem of losing contact and make you feel at ease.