Avoiding debt means subjectively refusing to repay and unwilling to repay debt. Avoiding debt is a civil breach of contract. Not all unpaid debts are evaded debts. It emphasizes the debtor's subjective intention: to be exact, the act of having the ability to perform without trying to perform the debt is to evade the debt.

There is no legal trial for evading debts, but there is evidence that borrowers are evading repayment obligations. The evaded debts bypassed the court and the overdue borrowers were included in the list of evaded debts through third-party arbitration.

From the debtor's subjective point of view, there are two forms of debt evasion: one is to actively evade debt performance, which we usually call "malicious debt evasion". The other is negative non-performance. If the debtor abandons the due creditor's rights or transfers the property for free, thus causing damage to the creditor, the creditor may request the people's court to cancel the debtor's behavior according to the provisions of Article 74 of the Contract Law.