1. What should I do if I owe 2 million yuan?
1. If it is temporarily unable to repay, it may be repaid by the debtor in installments with the consent of the creditor or the judgment of the people's court.
2, have the ability to repay refused to repay, by the people's court for compulsory repayment.
In view of this situation, the law stipulates that if the debtor can't repay the debt, he can agree with the creditor to repay it by installments.
4. You can also bring a lawsuit to the court and submit it to the court to review the specific economic situation of the debtor. The court will enforce, supervise the situation, or auction the property of the person subjected to execution to pay off the debt.
2. Won't you go to jail with a credit card of 2 million?
Yes, credit cards don't go to jail. If the credit card is overdue for more than three months or the bank reminds it twice that it has not been repaid, the bank will freeze the card and list it as a prohibited customer (blacklist). At the same time, it will also prosecute credit card fraud and malicious overdraft, which will be enforced by the court. If a person refuses to repay the loan after prosecution, and the debt exceeds 65,438+0,000, the court will punish him according to the crime of credit card fraud.
To sue a credit card, we should consider the following aspects:
1, whether the credit card limit is maliciously overdrawn subjectively.
2. Whether the amount owed reaches the scope of criminal responsibility.
3. There is no repayment behavior for more than 3 months after more than two collections.
If it is simply overdue, it does not constitute a crime to return it by itself or immediately after being collected by the bank, but it will pay overdue interest and affect credit. Malicious overdraft of a credit card with an unpaid principal of more than 50,000 yuan constitutes a crime of credit card fraud, which can be prosecuted by a procuratorial organ.
Third, what are the consequences of not taking on debt?
1. If the payment is not made by the repayment date, and the corresponding liabilities for breach of contract, such as late payment fees, are stipulated in the IOU, the debtor may eventually bear the liquidated damages other than the principal and interest.
2. If the creditor refuses to repay after suing the court, it may have an impact on the debtor's credit and be included in the "blacklist". This will bring inconvenience to the debtor's loans and travel in his future life.
3, simple private lending is generally not enough to pursue criminal responsibility, but if the debtor is for the purpose of illegal possession, using fictional facts or concealing the truth to defraud a large amount of public and private property, it may constitute a crime of fraud and be investigated for criminal responsibility.
If you can't pay your personal debts, you can ask your friends for help. If you don't pay off your credit card debt, you will go to jail and be held accountable for credit card fraud. According to the payment method of credit card, credit card can be divided into credit card and quasi-credit card. Credit cards can be overdrawn before repayment. There are two repayment methods, which can be repaid on the billing date or in installments. Quasi-credit cards need to deposit before spending, and overdraft is not allowed.
I hope the above content can help you. Please consult a professional lawyer if you have any other questions.
Legal basis: Article 676 of the Civil Code.
If the borrower fails to repay the loan within the agreed time limit, it shall pay overdue interest in accordance with the agreement or relevant state regulations.
Article 678
The borrower may apply to the lender for extension before the repayment period expires; If the lender agrees, it can be extended.
Article 667
A loan contract is a contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest.