What should I do if I send a message saying that I will recover all the money in installments?

You can only pay it off, otherwise it will be overdue, upload personal credit information, and then enter the collection process. If you refuse to repay the loan for a long time, you may eventually face the risk of being sued, so you must act cautiously. I suggest that you settle the arrears quickly, otherwise it will have a serious impact on your credit information, and there will be penalty interest and liquidated damages.