1. Overdue debt is not a criminal act: under normal circumstances, overdue personal credit debt does not constitute a criminal offence, but belongs to the category of civil disputes.

2. Debt recovery usually adopts civil litigation: creditors have the right to recover debts through legal channels, and generally apply to the court for enforcement or take other legal means to require debtors to repay debts through civil litigation.

3. The court can take compulsory measures against the debtor: in civil litigation, if the debtor still refuses to perform the repayment obligation, the court can take some compulsory measures such as sealing up assets and freezing bank accounts to urge the debtor to repay.

Summary:

Overdue debts will not lead to imprisonment or detention. Although the arrears are seriously overdue, the debtor should negotiate with the creditors as soon as possible and abide by the court's judgment or ruling. Timely communication with creditors, seeking repayment arrangements or consulting professional legal advice will help solve the debt problem and avoid further legal disputes.