It depends. Ordinary debt will not affect children; However, once the parents are confirmed to be untrustworthy, they will be included in the credit information system by the court and connected to the national network, which will have a great impact on this person's future credit system, and personal dishonesty will also have some negative effects on close relatives. It may have an impact on applying for grants and student loans during college.

First, does parental loan have no effect on children?

Father's debt has no legal basis, so he can only exercise his creditor's rights against the debtor. However, if the parents' loan is used for children's purchase of houses and other consumption, the creditor can preserve the property from the court.

The following principles shall be followed in clearing the remaining debts:

1, the principle of limited inheritance, that is, the heir does not have to pay off the debt that exceeds the value of the estate.

2. The principle of special portion, that is, for those heirs who lack the ability to work and have no source of income, even if the inheritance is not enough to pay off debts, an appropriate share of the inheritance should be reserved for them.

3. Liquidation takes precedence over inheritance, that is, if the decedent has debts, priority should be given to paying off the estate, and it can only be executed when the estate has a balance.

(2) According to the Appeal Law, a son has no legal obligation to repay debts instead of his father. However, in the following cases, the son should pay the debts instead of the father:

1. I accepted my father's gift, which made my father's debt unpayable.

2. Inherit from the father, but the repayment of debts is limited to the actual value of the estate.

The debts borrowed by the father are used for family life, especially the life of the son who lives with his father.

Second, what proof is needed for debt collection?

1. If the parties are citizens, the names, gender, age, place of origin, address and telephone numbers of both parties shall be ascertained; If the party is a unit, it shall specify the name, address, telephone number, legal representative or person in charge of the unit.

2. Evidence to prove the occurrence, alteration and extinction of civil legal relationship: such as contracts, agreements and creditor's rights documents (IOUs, IOUs, etc.). ), send and receive vouchers, letters, etc. ;

3. Evidence for determining the amount of creditor's rights and debts;

4. Evidence to prove the qualification of the parties: the original and photocopy of the resident identity card, household registration book, passport, home visit certificate for Hong Kong and Macao compatriots, marriage certificate and other materials to prove the qualification of the plaintiff; If the enterprise is the plaintiff, it shall submit a copy of the business license, industrial and commercial registration certificate and other materials; A public institution shall submit its legal person code certificate; If a bank or non-bank financial institution is the plaintiff, it must also provide its financial license.

Copies of business license, ID card, passport and other materials to prove the defendant's subject qualification; If the defendant is an enterprise registered in the Administration for Industry and Commerce, it shall submit its latest industrial and commercial registration form, and if the name of the defendant changes, it shall also provide a registration form for change;

5. The legal basis to support its claim;

6. Other evidence that the parties should provide.

Third, the father's debt is enforced by the court. Will the money in my son's bank account be forcibly deducted?

I won't. Because your father is a person with full capacity for civil conduct, the debt needs to be repaid by himself or your mother, and the children have no obligation to repay, so the court will not deduct money from his son's bank account. However, if there is evidence that your father transferred money to your account, the court will also freeze your bank account.

Legal basis:

Article 1 of "Several Provisions of the Supreme People's Court Municipality on Publishing the Information of the List of Executed Persons with Disbelief"

If the person subjected to execution fails to fulfill the obligations specified in the effective legal documents, and under any of the following circumstances, the people's court shall include him in the list of people subjected to execution for breach of trust and impose credit punishment on him according to law:

(1) Having the ability to perform and refusing to perform the obligations specified in the effective legal documents;

(2) Obstructing or resisting execution by forging evidence, violence or threats;

(3) evading execution by means of false litigation, false arbitration or concealing or transferring property;

(4) Violating the property reporting system;

(5) Violating the consumption restriction order;

(6) refusing to perform the settlement agreement without justifiable reasons.