Hello: \x0d\ It is suggested to determine the limitation of action according to the loan term. When the limitation expires, the borrower and guarantor have no responsibility and need not repay; If it is not due, prepare to repay. \x0d\ The lender loses the case and pays off the principal and interest. \x0d\ See if the prescription has expired, and you can sue. When the deadline has passed, you can not repay. \x0d\ You can't claim mental loss, which is stipulated by law. It will be very beneficial to you if there is evidence that they are faking. \x0d\ There will be no consequences after the expiration of the limitation period, and it will be enforced after the court decides.