If you buy a car in your name, then your name should be written on the vehicle registration, that is to say, the car should belong to you (I don't know if you are providing a guarantee for your friend or anything else, if the soft fruit is a guarantee, then the court will sue you both), then the repayment person pursued by the bank is you, and it is useless for you to sue your friend. If you take out a mortgage, the bank will take back the collateral you provided, such as real estate and other fixed assets, to make up for the losses. If it's credit, you should sue. You can consider taking the car to the market, find a buyer, discuss things first, and let him give money first. You can use this money to repay in advance, at most, it is a fine, and the loss should not be great. Then cancel the mortgage registration on the vehicle registration certificate, and then transfer the car to his home (the mortgaged vehicle cannot be transferred).