Legal analysis: if the loan is sued, it is best to fulfill the obligation according to the court decision. If you refuse to fulfill your obligations, the court will take enforcement and seal up your personal property, such as your own car, your own house, bank deposits, etc. Then the court will use the auction money to repay your loan. If you still resist, the court will drag you into the blacklist of dishonesty and restrict your future travel and consumption. So I suggest you pay off the loan as soon as possible, so as not to bring unnecessary trouble to yourself.

Legal basis: Article 313 of the Criminal Law of People's Republic of China (PRC) refuses to execute the judgment or ruling of the people's court, and if the circumstances are serious, he shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or a fine.