Legal analysis: If you don't pay back the money, you can't talk about the consequences until the court decision takes effect. If you refuse to perform after the court decision takes effect, you need to bear the corresponding legal consequences. If you owe money, you may face the following problems:

1. After filing a lawsuit, the plaintiff should actively respond to the lawsuit and strive for a favorable judgment;

2. If the judgment of the court is unfavorable to you, perform it as soon as possible if you have the ability to perform it;

3. After the court decision takes effect, the plaintiff may apply to the court for compulsory execution, and the court will seal up and freeze the property of the person subjected to execution according to law;

4. If the person subjected to execution has the ability to perform and refuses to perform, the court may include the person subjected to execution in the list of untrustworthy persons, which will affect the daily life of the person subjected to execution.

5. If the debtor fails to perform the obligations specified in the legal documents, the creditor may apply to the court to enforce the debtor's executable property. In addition to punishing the person subjected to execution, the people's court may, according to the circumstances, include him in the list of the person subjected to dishonesty, and inform his unit, credit reporting agency and other relevant institutions of the information that the person subjected to execution fails to perform or does not fully perform his obligations.

6. If the debtor refuses to carry out acts such as hiding or transferring property, the court may take judicial custody measures. If the refusal is serious, it may be suspected of refusing to perform the judgment or ruling and bear criminal responsibility. The person subjected to execution who refuses to perform the effective judgment document may be sentenced to punishment.

7. If the debtor has no property to execute, the court will decide to suspend execution. After the suspension of execution disappears, the creditor may apply for resumption of execution.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 675 The borrower shall repay the loan within the agreed time limit. If the term of the loan is not agreed or clearly agreed, and cannot be determined according to the provisions of Article 510 of this Law, the borrower may return it at any time; The lender may urge the borrower to return it within a reasonable period of time.

Article 676 If the borrower fails to repay the loan within the agreed time limit, it shall pay the overdue interest in accordance with the agreement or the relevant provisions of the state.