Legal analysis: 1, negotiation. On the basis of voluntariness and mutual understanding, the parties directly negotiate or invite a third party to mediate to resolve the dispute. 2. Mediation. Creditors who are unwilling to harm harmony and settle debt disputes quickly may submit a written mediation application to the local people's mediation committee. 3. arbitration. According to the arbitration law of China. Arbitration is a unified system of arbitration or trial and final award. Compared with the two-instance system of final adjudication, arbitration is more conducive to the rapid settlement of disputes between the parties. 4. litigation. Debt dispute litigation is a kind of civil litigation. For some complex cases that are difficult for the other party to handle or solve by other means, the creditor may choose litigation procedures to solve them.
Legal basis: Article 16 of the Arbitration Law of People's Republic of China (PRC) Arbitration Agreement includes the arbitration clause in the contract and the arbitration agreement reached in other written forms before or after the dispute. The arbitration agreement shall include the following contents: (1) the expression of intention to request arbitration; (2) Arbitration matters; (3) Select the Arbitration Commission.