1. The procedure for prosecuting small arrears is as follows:

(1) Submit a complaint for the record;

(2) the court issued a notice of acceptance;

(3) The court organizes both parties to exchange evidence, and the defendant submits a defense;

(4) Hearing, cross-examination and debate;

(5) Announcing a judgment;

(6) The judgment takes effect and is executed.

2. Legal basis: Article 119th of the Civil Procedure Law of People's Republic of China (PRC).

Prosecution must meet the following conditions:

(1) The plaintiff is a citizen, legal person and other organization that has a direct interest in the case;

(2) Having a clear defendant;

(3) Having specific requests, facts and reasons;

(4) It falls within the scope of civil litigation accepted by the people's court and is under the jurisdiction of the sued people's court.

Second, what are the consequences of default on small loans?

The consequences of not repaying small loans depend on the specific circumstances:

1, credit loans get small loans. If the applicant obtains a small loan through a credit loan, then the lending institution cannot reduce the loss by selling the collateral. However, the lending institutions will continue to demand payment, which has a great impact on the life and work of lenders;

2. Get small loans through mortgage loans. If the applicant obtains a small loan by mortgage, the lending institution will sell the collateral to reduce its economic losses when it cannot receive the repayment from the lender on time;

If you apply for a loan, you must repay it on time. Personal capital turnover is not enough, you can apply for an extension. If you don't pay back in arrears, the consequences will be more serious. It is recommended to communicate with lending institutions to avoid adverse consequences.