Non-payment is a civil dispute, and the police can only mediate, not actually handle the case. Anyone suspected of fraud will be accepted by the public security organ. If the debtor fails to pay off his creditor's rights at maturity, the creditor may bring a lawsuit to the court where the defendant is domiciled. After the successful judgment takes effect, you can apply to the court for enforcement. At that time, the court may take enforcement measures to enforce the debtor's property. If the debtor's property clues are known at the time of prosecution, he may apply for property preservation at the same time.

The debt should be paid off. If it is temporarily unable to repay, it may be repaid by the debtor in installments with the consent of the creditor or the ruling of the people's court. Those who have the ability to repay and refuse to repay shall be forced to repay by the people's court. If there is evidence of owing money, you can sue through the court. If the prosecution is not enough, it may apply to the court enforcement agency for compulsory execution.

legal ground

People's Republic of China (PRC) Civil Code

Article 671 Where the lender fails to provide the loan on 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 674 The borrower shall pay interest at the agreed time limit. If the time limit for paying interest is not stipulated or clearly stipulated, and cannot be determined according to the provisions of Article 510 of this Law, if the loan period is less than one year, it shall be paid together with the loan; If the loan term is more than one year, it shall be paid at the end of each year; if the remaining term is less than one year, it shall be paid together with the loan. Article 687 General Guarantee refers to the guarantee that the guarantor shall bear the guarantee liability when the debtor fails to perform the debt, as stipulated by the parties in the guarantee contract.

The guarantor of a general guarantee has the right to refuse to undertake the guarantee liability to the creditor before the main contract dispute has been tried or arbitrated and the debtor's property has been enforced according to law, except in one of the following circumstances:

(1) The debtor's whereabouts are unknown and there is no property available for execution;

(2) The people's court has accepted the bankruptcy case of the debtor;

(3) The creditor has evidence to prove that the debtor's property is insufficient to perform all debts or cannot perform debts;

(4) The Guarantor waives the rights stipulated in this clause in writing.