1. The court's handling of the lawsuit against the loan owed is as follows:

(1) Be able to actively respond to the lawsuit and collect evidence beneficial to oneself;

(2) Respond actively, submit a defense, and conditionally hire a lawyer to defend himself;

(3) negotiate with the other party and sign an installment repayment agreement, so that the other party can withdraw the lawsuit.

2. Legal basis: Article 128 of the Civil Procedure Law of People's Republic of China (PRC).

The people's court shall send a copy of the indictment to the defendant within five days from the date of filing the case, and the defendant shall submit a reply within fifteen days from the date of receipt. The defense shall specify the defendant's name, gender, age, nationality, occupation, work unit, residence and contact information; The name and domicile of the legal person or other organization and the name, position and contact information of the legal representative or principal responsible person. The people's court shall send a copy of the defense to the plaintiff within five days from the date of receiving the defense.

If the defendant fails to submit the defense, it will not affect the trial of the people's court.

Second, how to sue if you owe money?

1, write an indictment;

2. Take the evidence and the indictment to the court to file a case and pay the legal fees;

3. The court held a hearing. If mediation is conducted under the auspices of a judge, both parties may voluntarily reach a mediation agreement; If a mediation agreement cannot be reached, the judge shall make a ruling;

4. Execute the judgment. If the losing party does not voluntarily perform the obligations specified in the effective judgment document, the winning party may apply for enforcement according to law.