Legal analysis: suing for six months in arrears will freeze the defendant's assets. Property preservation in civil litigation can be divided into pre-litigation preservation and litigation preservation. Among them, the applicant for pre-litigation property preservation, that is, the interested party, must bring a lawsuit or arbitration within 30 days after the people's court takes preservation measures, so that disputes related to property preservation can be resolved through trial. If the interested party fails to bring a suit in a people's court or apply to an arbitration institution for arbitration within 30 days, the people's court shall lift the property preservation measures.

1. For private loans with regular repayment, the limitation of action is 2 years from the date of the expiration of the repayment period, and the right to request protection from the people's court will be lost after the expiration.

2. For private lending with regular repayment, if the debtor fails to perform the debt after the expiration of the agreed period and issues a debt bill with no repayment date, it will be deemed that the limitation of action is interrupted, and the limitation of action will be recalculated from the second day after receiving the debt bill (2 years).

3. Private lending with irregular repayment, that is, private lending without repayment date, is not limited by statute of limitations, but is limited by the maximum protection period of 20 years.

4. For irregular private lending, if the borrower explicitly refuses to repay (of course, the borrower will prove that he has explicitly refused to repay), the two-year statute of limitations shall apply from the date when the borrower explicitly refuses to repay.

5. For private lending beyond the limitation of action, if both parties reach a repayment agreement on the original debt, or if the borrower signs the dunning notice, it will be regarded as a reconfirmation of the original debt, and the relationship between creditor's rights and debts is protected by law.

Legal basis: Several Provisions of the Supreme People's Court on the People's Court's Seal-up, Seizure and Freeze of Civil Execution Property.

Article 3 After the legal document as the basis for execution comes into effect, before applying for execution, the creditor may apply to the people's court with execution jurisdiction to preserve the debtor's property. The people's court may make a preservation ruling with reference to the provisions of Article 92 of the Civil Procedure Law, and the preservation ruling shall be executed immediately.

Article 4 Where property preservation measures are taken before litigation, during litigation or arbitration, they will be automatically converted into the measures of sealing up, distraining and freezing being executed after entering the execution procedure, and the provisions of Article 29 of these Provisions on the time limit for sealing up, distraining and freezing shall apply.