1. The loan contract relationship between the debtor and the creditor shall be fixed, and the chat record or recording of the loan matters with the other party shall be kept. Of course, the other party can also make up the IOU or repayment plan; Record the dialogue of the loan contract relationship between the two parties recognized by the other party; Find a witness who can prove that there is a loan contract relationship between you.

Second, if negotiation fails, a lawsuit shall be brought to the people's court where the remittance bank is located or where the defendant is domiciled, requesting the court to obtain remittance vouchers from the bank and ask the other party to repay.

Third, regarding the whereabouts of the other party is unknown, Article 22 of the Civil Procedure Law stipulates: "An identity lawsuit filed by a person whose whereabouts are unknown or who is declared missing shall be under the jurisdiction of the people's court where the plaintiff has his domicile; If the domicile of the plaintiff is inconsistent with the habitual residence, it shall be under the jurisdiction of the people's court of the plaintiff's habitual residence. "