It is basically unreliable to help negotiate repayment online. In fact, apart from banks, almost no lending institutions accept negotiated repayment. If the borrower applies for a loan from an auto financing institution or a small private loan, the lender will only collect it after the deadline and will not accept negotiation at all.
Many intermediaries adopt the practice of asking borrowers to go to the hospital to issue a certificate of serious illness, then go to the bank to apply for a non-malicious overdue certificate, and then negotiate repayment. Once the lender finds out, not only the bill needs to be returned immediately, but the borrower is also likely to be sued in court. Overdue bills are generally civil cases. If borrowers seek these intermediaries to cheat financial institutions maliciously, it may become a criminal case with very serious consequences.