There are two situations.
1, bank money, you have always been the lowest repayment situation.
And the bank has filed a lawsuit with the court, which has accepted it.
In this case, you can't borrow money, because the money you owe the bank and the repayment situation are reflected in the credit report.
And as long as you go through legal procedures, the court has accepted it, and your case information can be found in the human law network.
All credit institutions will not give you loans as long as they find that you have a case in trial or in execution, as long as the case is not closed.
2. Private lending, that is, private lending.
If the money is not returned, others go to court, and the court does not file a case, it is regarded as mediation in the play.
In this case, there will be no loan information in your credit record, and there will be no information about your case in the People's Law Network.
It is possible to refinance.