When the creditor's right expires and the borrower fails to repay the debt, he shall bring a lawsuit to the people's court. Among them, the prosecution process is mainly: preparing litigation materials. When suing, you can write a complaint, bring your ID card and relevant evidence, go to court to sue, and wait for the court to arrange a hearing and make a judgment. The most important thing in litigation is that the facts are clear and the evidence is sufficient. The parties need to provide evidence to prove their claims, otherwise they will bear adverse consequences. It is not enough to prove that others have lent you money just by relying on notes, receipts and IOUs. IOUs and receipts only prove the establishment of the loan relationship, but can't prove whether it is fulfilled.

1. So the evidence you need to provide includes: ① IOUs, receipts, IOUs; (2) proof of payment, that is, proof of transfer. Only if you can provide evidence to prove the fact of the loan and transfer, the court judge will determine that the loan has indeed been paid and your appeal will be supported.

If you decide to sue, you should consult a lawyer first. If the amount is large or you don't know the litigation procedure at all, you should entrust a lawyer to represent you in professional litigation to protect your creditor's rights to the maximum extent. For evidence that may be put out of fire due to special circumstances or difficult to obtain later, you can apply to the people's court for evidence preservation in time; For evidence that cannot be collected by itself due to objective reasons, you can apply to the people's court for investigation and collection in time.

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1. Personal lending, also known as retail loan business, has become an important loan business after decades of development. Personal loan refers to the loan issued by the lender to the borrower for the purchase of owner-occupied housing and the repair and construction of owner-occupied housing (excluding export housing) by urban residents. When a lender issues a personal housing loan, the borrower must provide a guarantee. If the borrower fails to repay the principal and interest of the loan at maturity, the lender has the right to dispose of its collateral or pledge according to law, or the guarantor shall be jointly and severally liable for repaying the principal and interest.

Second, the supply and demand of funds is an important issue in the industrial and commercial society, and borrowing money for change is very common in daily life. Lending in the legal sense means that a "loan contract" is established between the borrower and the borrower, and the lender transfers the ownership of the money to the borrower, and the borrower returns the same amount of money at maturity. With the increasing popularity of private lending, disputes arising from lending are particularly frequent, and legal knowledge about lending has become an indispensable tool in people's consumption life.