Think about the future consequences:

1, personal credit is not good (the late loan has nothing to do with you);

2. If you are put on file (reaching the standard of criminal filing), you will bear criminal responsibility, and the record will accompany you for life and affect the political review of your grandchildren;

3. If a lawsuit is filed, it will bear civil liability and bear more legal fees and fines. Once listed in the blacklist of dishonesty, future travel will become a problem;

The most direct thing is to affect your normal life. It is always not worthwhile to ruin your reputation for some money, and so on;