Legal analysis: 1. When the loan expires, the bank will come to the door and ask the individual to repay the loan amount; 2. If there is a debt dispute, there will be a debt dispute if a lawsuit is filed. At this time, a lawsuit will be filed with the bank; 3. Pay debts for others and then take them back. Usually, due to the lack of strong evidence, even if a lawsuit is filed, there is often no chance of winning. In the end, the lawsuit is often lost, and the ID card owner will pay the debts for others. If it is not returned in time, the bank will recover the debt.

Legal basis: Article 388 of the Civil Code of People's Republic of China (PRC) establishes a security interest, and a security contract shall be concluded in accordance with this law and other laws. Guarantee contracts include mortgage contracts, pledge contracts and other contracts with guarantee functions. The guarantee contract is a subsidiary contract of the main creditor's rights and debts contract. If the principal creditor's rights and debts contract is invalid, the guarantee contract is invalid, unless otherwise stipulated by law. If the debtor, guarantor and creditor are at fault after the guaranty contract is confirmed to be invalid, they shall bear corresponding civil liabilities according to their faults.