1. If it is temporarily unable to repay the debt, it may negotiate with the creditors to repay the debt in installments, postpone the repayment or reduce the debt;

2. If the other party does not agree to postpone or reduce the debt and wants to sue the debtor, then after the prosecution, it is necessary to actively respond to the lawsuit and strive to achieve the purpose of repayment in installments or within a time limit in court;

3. If the other party does not agree to postpone or reduce the debt, the court will not support it and will repay all the debts within a time limit. If the creditor has the ability to repay but refuses to pay, the creditor may apply for enforcement;

4. If the debtor really has no money to pay back, even if the other party wins the case, the court executor knows that it can't be executed without money. Only when the money refuses to be returned can the court arrest people.

People's Republic of China (PRC) Civil Code

Article 675

The borrower shall repay the loan within the agreed time limit. If the term of the loan is not agreed or clearly agreed, and cannot be determined according to the provisions of Article 510 of this Law, the borrower may return it at any time; The lender may urge the borrower to return it within a reasonable period of time.