second, how to deal with the overdue third-party collection of credit cards should take the initiative to contact the bank, and the customer service phone of the bank must be answered. Basically, bank customer service will remind customers relatively gently and explain the situation to them truthfully. Of course, with the exception of some small local banks, some banks have a strict attitude, and it is difficult to negotiate installment payment. In the face of collection, if the bank entrusts a third party to collect the phone, the cardholder can answer selectively, but he can't ignore it. Don't rush to repay, blindly repay, be sure to verify the identity of the other party, and whether you can go through the relevant settlement procedures or installment procedures. After reaching an agreement, you must read the contract documents clearly, and you can't trust the other party's collection promise casually. The lawyer's fee can be paid in advance or later, which is mainly determined by the lawyer and the client through consultation. The contents of the service contract signed by the lawyer and the client include: the client's name and domicile, subject matter, quantity, quality, price or remuneration, time limit, place and method of performance, liability for breach of contract, method of dispute settlement, etc. I hope the above contents will be helpful to you. If you have any other questions, you can click the button below for consultation and consult a creditor's rights lawyer.