1. You can negotiate and communicate with creditors or their lawyers, understand each other's demands, reach a mutually acceptable solution, pay the remaining money, and make a reasonable repayment plan.

2, unable to reach a settlement, need to appear in court to participate in the hearing or trial, and submit defense opinions in a timely manner according to the requirements of the court. In the defense, you can explain the willingness to repay or put forward legal defense reasons related to the case.