1. If it is temporarily unable to repay the debt, it may negotiate with the creditors to repay the debt by installments, postpone the repayment or reduce the debt. 2. If the other party does not agree to delay or reduce the debt and wants to sue the debtor, then after the prosecution, it is necessary to actively respond to the lawsuit and strive to achieve the purpose of repayment by stages or within a time limit in court. 3. If the other party does not agree to postpone or reduce the debt, the court will decide to repay all the debts within a time limit. Creditors may apply for enforcement. If the person subjected to execution has the ability to repay but refuses to pay, he may be investigated for criminal responsibility through judicial detention or refusing to perform the effective judgment. If the debtor really has no money to pay back, even if the other party wins the lawsuit, the court executor knows that you can't execute it without money. 5, the people's court in accordance with legal procedures, the use of national coercive power, according to the legally effective documents to clarify the specific implementation content, forcing civil rights holders to perform their obligations, in order to ensure the realization of the rights of rights holders. The execution methods include: deposit execution, income execution, property execution, property search, compulsory delivery and moving out of the house. Article 671 of the Civil Code of People's Republic of China (PRC), if the lender fails to provide the loan according to the agreed date and amount, thus causing losses to the borrower, it shall compensate for the losses. If the borrower fails to collect the loan according to the agreed date and amount, it shall pay interest according to the agreed date and amount. Article 257 of the Civil Procedure Law of People's Republic of China (PRC) is under any of the following circumstances: (1) The applicant withdraws his application; (2) The legal document on which it was executed was revoked; (3) The citizen of the person subjected to execution dies, and there is no inheritance for execution and no obligor; (4) The obligee in the case of recovery of alimony, alimony and alimony dies; (five) the citizen of the person subjected to execution is unable to repay the loan due to difficulties in life, has no source of income and loses the ability to work; (six) other circumstances that the people's court considers that the execution should be terminated.