1. The debtor may directly file a civil lawsuit with the people's court. When choosing a specific way, the main consideration is whether the other party has sincerity in return;

2. Creditors can apply to the court for a payment order by virtue of this article, collect relevant evidence and bring a lawsuit to the court, and bring a civil lawsuit according to law to safeguard their legitimate rights and interests;

3. If the debtor has other property, the creditor may apply to the court for property preservation before or after the prosecution, and freeze or seal up the other party's property;

4. If the debtor has the ability to refuse to execute the judgment, he is suspected of refusing to execute the judgment, and if the circumstances are serious, he will be sentenced;

If the debtor does not appear in court without justifiable reasons, the court will announce the default judgment. If the debtor cannot be found to execute the judgment, the court or creditor may apply for compulsory execution. The court will inquire about the debtor's information through various institutions in society.

legal ground

People's Republic of China (PRC) Civil Procedure Law

Article 255 If the person subjected to execution fails to perform the obligations specified in the legal documents, the people's court may take or notify the relevant units to assist in taking other measures such as restricting his exit from the country, recording it in the credit information system, publishing the non-performance information through the media and other measures prescribed by law.

Criminal law of the people's Republic of China

Article 313 Whoever refuses to execute the judgment or ruling of a people's court, if the circumstances are serious, shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or a fine; If the circumstances are especially serious, he shall be sentenced to fixed-term imprisonment of not less than three years but not more than seven years and shall also be fined. If a unit commits the crime mentioned in the preceding paragraph, it shall be fined, and the persons who are directly in charge and other persons who are directly responsible shall be punished in accordance with the provisions of the preceding paragraph.

People's Republic of China (PRC) Civil Code

Article 197 A loan contract shall be in written form, unless otherwise agreed between natural persons.

The contents of the loan contract include the loan type, currency, purpose, amount, interest rate, term and repayment method.