Usually, a large amount of debt incurred by an individual means that the debt incurred by the individual exceeds his or her normal repayment ability. The fact that it is not settled by the due date indicates that he or she has an unsettled civil dispute that may be detrimental to the company's interests. To summarize, as long as a larger amount of debt, due to the fact that has not been discharged can be considered to have the fact of insolvency.

Usually, the defendant is unable to pay the debt, can be solved by the following methods:

1, you can obtain the consent of the creditor to pay the debt in installments. The debtor can be made to pay the debt in installments by the decision of the creditor or the court. If he is able to repay and refuses to do so, the court will force him to do so;

2. The creditor has the right to apply for compulsory execution;

3. If it is a business, it has to apply for bankruptcy and liquidate the bankruptcy.

Article 224 of the Chinese People's **** and National Civil Procedure Law The legally effective civil judgments and rulings, as well as the property portion of criminal judgments and rulings, shall be enforced by the People's Court of the first instance, or by the people's court of the same level as the People's Court of the first instance in the location of the property being enforced. Other legal instruments prescribed by law to be enforced by the people's court shall be enforced by the people's court at the place of domicile of the executed person or at the place where the property to be enforced is located.

Article 107 The people's court may order the applicant to provide security; if the applicant fails to provide security, the application shall be dismissed. If the applicant loses the case, it shall compensate the property loss suffered by the respondent as a result of the prior execution.

Article 158 For simple civil cases, the plaintiff may sue orally.

The parties may both go to the Basic People's Court or a court dispatched by it at the same time to request a settlement of the dispute. The Basic People's Court or the court dispatched by it may hear the case immediately or at another date.

Article 125 The people's court shall send a copy of the indictment to the defendant within five days from the date of filing the case, and the defendant shall file a statement of defense within fifteen days from the date of receipt. The statement of defense shall state the name, sex, age, nationality, occupation, work unit, residence and contact information of the defendant; the name, residence and legal representative or principal person in charge of the legal person or other organization, their names, positions and contact information. The people's court shall send a copy of the reply to the plaintiff within five days from the date of receipt of the reply.

Where the defendant does not file a statement of defense, the people's court shall not be affected.