Isn't it that he will call you if the general bank loan is not repaid, or write a court summons to inform you that he won't come to the door because the bank is overdue, and he will call you to repay as soon as possible, or the interest on money will urge you to watch the installment repayment?

For another example, if you don't answer the phone and text messages, the bank usually has the right to sue the court, and the court will send you an official letter.