I received a short message from China Merchants Bank this morning saying that the lawyer's letter had been sent to my home and had arrived. Can we negotiate? Repayment or installment payment

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, so you can negotiate with the bank to repay the loan in installments. If negotiation fails, you can apply for some interest relief, explain the situation, and then you have to pay back the money if you want. 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.