1. You can contact the bank to confirm the solution first. The debtor can give the bank a repayment plan. If the bank accepts it, there is no problem as long as it is fulfilled in accordance with the regulations.
Although it doesn't mean that the other party will sue after receiving the lawyer's letter, it can't be ignored. According to the regulations of the bank, the legal department of the bank will file a lawsuit according to the procedure. After a formal lawsuit is filed, a court summons is usually received within two weeks.
legal ground
Article 6 of the Interpretation of the Supreme People's Court and the Supreme People's Procuratorate on Several Issues Concerning the Specific Application of Laws in Handling Criminal Cases of Impairment of Credit Card Management points out that if a cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession and fails to return it for more than three months after repeated reminders from the issuing bank, it shall be deemed as "malicious overdraft" as stipulated in Article 196 of the Criminal Law.