It's been several years. Why did you receive a reminder message this year?

It has been several years, and I received a reminder message this year for three reasons.

1. I changed my contact information, or I set the interception of strange phone calls and text messages, but the collection company could not contact me.

The bank used a lot of manpower and material resources and entrusted a third party to collect the money, but there was still no way to recover the arrears.

3. The bank continues to collect money. Even if I pay back the money, I can't make up for the loss or input cost of the bank. Then it is packaged in batches, and the creditor's rights are resold to qualified companies for collection.

Some financial companies may go bankrupt. At this time, I will do some special treatment for the debt, such as the transfer of creditor's rights and bankruptcy reorganization, and I will not accept it for the time being.