2. If it is really unable to repay, it shall negotiate with the lending institution to extend the repayment period or repay it in installments.

3. After the lender files a lawsuit with the court and wins the case, it will apply to the court for enforcement if it fails to perform the court's judgment within the performance period.

4. When accepting enforcement, the court will inquire about the real estate, vehicles, securities and deposits in the name of the lender according to law.

5. If the lender refuses to perform the effective judgment of the court because there is no enforceable property under his name, negative information such as overdue repayment will be recorded in the personal credit report, which will restrict high consumption and entry and exit, and may even lead to judicial custody.

6. Refusing to execute a judgment or ruling is suspected of refusing to execute a judgment or ruling.

7. Article 313th of the Criminal Law stipulates the crime of refusing to execute a judgment or ruling. Whoever refuses to execute the judgment or ruling of the people's court, if the circumstances are serious, shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or a fine.

Extended data maintenance method:

1. First of all, when the lender or credit card holder changes important information, it is necessary to update the bank information in time. Take credit cards as an example. If the cardholder's billing address and mobile phone number change, go to the bank to modify the address and mobile phone number, you can receive the credit card confirmation letter and statement on time, and you can also receive the bank reminder message in time to ensure the security of the account.

2. If the credit card holder does not have enough funds to repay all the bills and does not want to affect his credit history, he can contact the bank in time and choose to return the minimum repayment amount or handle the installment repayment.

3. Some people think that personal bad records can be eliminated as long as credit cards are eliminated. In fact, the credit record is accompanied by the personal identity information of the cardholder, and simply canceling the card cannot eliminate the bad record. At this time, it is necessary to continue to maintain the long-term benign use of the card in order to prepare for the return of personal credit records to "innocence" through good credit transactions in the future.

4. Of course, the Regulations on the Administration of Credit Information Industry stipulates that the retention period of personal bad information is 5 years, and it will be deleted after 5 years, but this is on the premise of paying off the loan. Don't think that you can be eliminated without paying back the money.

Baidu Encyclopedia-Zheng Xin