When the crisis first erupted, the government charged the Bankers Association of the ROC with devising procedures whereby debtors could get together with the banks and negotiate repayments. But the system overwhelmingly favored the banks and treated the debtors harshly. For instance, monthly payments were sometimes set at levels higher than the debtors 'incomes.
事實上，當風暴成形，政府雖責成銀行公會出面訂定協商機制，和卡債族面對面討論如何解決債務，但因協商條件仍是由債權銀行片面強勢主導，以致多數的協議條件都過於嚴苛（例如每月的還款金額竟然超過收入）。