First, keep in touch with lawyers or creditors. Reply to the lawyer's letter as soon as possible, expressing your predicament and the reason why you can't repay immediately. Actively negotiate with creditors to seek deferred payment, installment payment or other solutions.
Second, evaluate the financial situation and make a repayment plan. Carefully review your financial situation, including income, expenses and other debts. Make a reasonable repayment plan according to the actual situation, and ensure the reasonable allocation of funds to repay the arrears.
Third, seek professional help. If you feel that you can't handle this problem by yourself, you can consider consulting a professional, such as a lawyer or financial advisor. They can give you advice and guidance to help you find a solution.
Summary: In the face of arrears of IOUs, it is very important to receive a letter from a lawyer, keep in touch with creditors and negotiate a solution. At the same time, make a reasonable repayment plan and evaluate your financial situation. If it is necessary to seek professional help, you can consult relevant professionals.
Extended data:
JD.COM White Strip is a consumer credit product provided by JD.COM. Users can use white bars to shop on the JD.COM platform and pay back the money according to the agreed time limit. Failure to repay on time may lead to overdue fees, interest or legal disputes.