2. Take the initiative to communicate with the bank in time after the deadline, and explain your reasons and willingness to repay.
3. Repay on time every month before the prosecution, no matter how much.
4. If the last grace period for repayment has passed, it is inevitable for the court to sue. As long as a lawsuit is filed, it is necessary to actively respond.
5. Go to the court and communicate with the bank and judge realistically (in fact, it's just a chat, explaining the reasons for overdue and the actual repayment ability and willingness)
6. After reaching an agreement with the bank, it doesn't matter how much. Attitude is everything.
7. Interest will go up. If you sue again, you should actively respond.
8. What the bank wants is money. If the bank doesn't lose money, the coordination will always succeed. The main purpose of civil litigation is to pay back the money.
Legal Basis: Provisions on Several Issues Concerning the Application of Laws in the Trial of Private Lending Cases Article 2 When a lender brings a private lending lawsuit to a people's court, it shall provide debt vouchers such as IOUs, receipts and IOUs, as well as other evidence that can prove the existence of a legal relationship between lending and borrowing. If the creditor's rights certificate such as IOUs, receipts and IOUs held by the parties does not specify the creditor, and the party holding the creditor's rights certificate brings a private lending lawsuit, the people's court shall accept it. The defendant raised a factual defense against the plaintiff's creditor qualification, and the people's court ruled that the plaintiff did not have the creditor qualification after examination and dismissed the prosecution.