The bank sends a negotiation message.

1. The purpose of sending a lawyer's letter is to let you know that you will repay the loan as soon as possible, and there will be some time in the meantime;

2. In this way, you can negotiate with the bank to repay the loan in installments. If the negotiation fails, you can apply for some interest reduction and explain the situation, and then if you want to borrow money, you must pay it back. This repayment will take some time, so be prepared to raise money;

Try not to be overdue in the future, so the credit will be greatly affected.