1. First, contact the issuing bank to inquire about the amount owed, interest and liquidated damages respectively.

2. Secondly, when receiving a phone call from the bank and communicating with the repayment department of the bank, explain the special circumstances, that is, the legal basis.

3. Finally, after the bank agrees to negotiate the installment, it is necessary to determine the number of repayment periods and the repayment amount again, and all these need to be recorded.