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What should I do if loans overdue calls in half a year and wants the court to decide that I can't afford it?
Legal analysis: If it cannot be repaid temporarily, it can be repaid by the debtor in installments. If it cannot be paid off permanently, it can only be paid off with the debtor's existing personal property. After the court hears and makes a judgment, the creditor will get all the personal property that the debtor must execute. However, those who have the ability to implement it and refuse to implement it, if the circumstances are serious, will be subject to criminal punishment.

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 fine; If the circumstances are especially serious, he shall be sentenced to fixed-term imprisonment of not less than three years but not more than seven years and shall also be fined.

If a unit commits the crime mentioned in the preceding paragraph, it shall be fined, and the persons who are directly in charge and other persons who are directly responsible shall be punished in accordance with the provisions of the preceding paragraph.