The bank will bring a civil lawsuit to the court and ask your friend to repay the loan principal, interest, penalty interest and other expenses. In this case, it is best to negotiate with the bank to reduce the interest, penalty interest and other expenses and repay them in installments. If you are sued to the court, the bank will apply for enforcement according to the judgment documents, freeze and seal up your property, and may also be included in the list of people who have been executed for dishonesty, which will have a great impact on life and work.