Whether bad debts will be prosecuted depends mainly on the reasons for bad debts. For example, credit card bad debts, if bad debts are caused by overpayment, banks will not sue. Bad debts are overdue. If the overdue time is long and the overdue amount is large, there is indeed the possibility of being sued by the bank. It is also possible to be sued for non-performing loans, because the loans are to be repaid and there is no need to bear corresponding legal responsibilities.

legal ground

Article 119 of the Civil Procedure Law of People's Republic of China (PRC) (revised 20 17) The conditions for 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.