1. If you are temporarily unable to repay your debt, you can negotiate with your creditor to repay the debt in installments, defer repayment or reduce the debt. 2. If the other party does not agree to the extension or debt reduction and wants to sue the debtor, then after the litigation is over, it is necessary to actively respond to the lawsuit and strive to achieve the purpose of installment or time limit repayment in court! 3. If the other party does not agree to the extension or debt reduction , the court will not support it and all debts will be repaid within the deadline. If the creditor has the ability to repay but refuses to pay, the creditor may apply for enforcement. But enforcement does not involve jail time because civil liability does not involve criminal issues. 4. If the debtor really has no money to repay, even if the other party wins the case, the court executor knows that you have no money and cannot execute. Only if you have money but refuse to return it, can the court arrest a person (including judicial detention or criminal liability for refusing to execute a valid judgment). 5. The People's Court shall, in accordance with legal procedures, use state coercive power and stipulate specific implementation contents based on legally binding documents to force civil debtors to perform their obligations to ensure the realization of the obligee's rights. Methods of execution include: execution of deposits, execution of income, execution of property, search of property, forced delivery and eviction of premises. Therefore, you won't be forced to go to jail if you can't repay, but even though you won't go to jail, you can't willfully avoid your responsibilities. It is best not to borrow money from others easily. Once you borrow it, you must remember to repay it as soon as possible! Article 108 of the "General Principles of the Civil Law" stipulates: "Debts must be paid off. If you are temporarily unable to repay it, with the consent of the creditor or the ruling of the People's Court, the debtor may repay it in installments. If you have repaid If the debtor refuses to repay due to lack of ability, the people's court will force him to repay the debt. "Therefore, it is certain that the debtor must repay the debt. In practice, there are two different situations when a debtor is unable to repay: one is temporary inability to repay. If this is the case, the debtor may repay in installments in accordance with the relevant provisions of the above-mentioned "General Principles of the Civil Law". The other is permanent bankruptcy. In the case of permanent bankruptcy, repayments can only be made out of the debtor's existing personal property.