If a private loan is not repaid, the handling method is as follows

1. If a private loan is not repaid when due, the creditor can go to court to sue for recovery.

2. Debts should be repaid, but if the creditor refuses to repay the debt upon request, the court will make a judgment to force repayment. If the debtor is temporarily unable to repay the debt, both parties can negotiate to repay it in installments.

3. When filing a lawsuit in court, you need to provide the court with evidence materials such as a complaint, a copy of your ID card, a loan contract, or a note of IOU.

If the debtor still does not repay the money after the court orders it to be repaid, the creditor can also apply for enforcement. The court will inquire about the properties, vehicles, securities and deposits in the debtor's name in accordance with the law. If the debtor has no property for execution in his name and refuses to fulfill the court's effective judgment, there will be negative information records such as overdue repayment, and he will be listed on the personal credit report and be restricted from high consumption and prohibited from entering and leaving the country, and may even be will be taken into judicial custody. And the court will suspend execution and resume the enforcement process until the debtor has the ability to repay.

Legal Basis

Civil Procedure Law Article 241: If the person subject to execution fails to perform the obligations specified in the legal document in accordance with the execution notice, he shall report the current and receipt of execution The condition of the property one year prior to the date of notification.

If the person subject to execution refuses to report or makes a false report, the people's court may fine or detain the person subject to execution or his legal agent, the principal person in charge of the relevant unit or the directly responsible person according to the seriousness of the case.