1. Submit the repayment request and negotiate with the debtor;

2. Apply for arbitration;

3, direct litigation, and at the same time require litigation preservation.

The process of bringing a lawsuit to the court is as follows:

1, the plaintiff sued;

2. The court will serve a copy of the indictment on the defendant after accepting it;

3. The defendant submits the defense within fifteen days, and the court will serve a copy of the defense to the plaintiff within five days. If the defendant fails to submit the defense, it will not affect the trial;

4. If a hearing is decided, the parties concerned shall be notified and announced three days before the hearing;

5. The court investigation stage includes the statements of the parties; Inform witnesses of their rights and obligations, witness to testify in court, and read out the testimony of witnesses who did not appear in court; Produce documentary evidence, physical evidence and audio-visual materials; Read the appraisal conclusion; Read the instant inspection record;

6. The court debate includes the plaintiff and his agent ad litem; Defendant and his agent ad litem reply; The third person and his agent ad litem speak or reply; Debate with each other. At the end of the court debate, the presiding judge shall consult the final opinions of all parties in the order of plaintiff, defendant and third party;

7. At the end of the court debate, a judgment shall be made according to law. Mediation can be conducted before the judgment, and mediation can also be conducted; If mediation fails, a judgment shall be made in time;

8. Announcement of judgment;

If either party is dissatisfied with the judgment, they can choose to appeal to a higher court within the prescribed time limit.

To sum up, when the parties decide to file a lawsuit, they need to prepare a complaint and evidence related to the case and submit it to the people's court with jurisdiction.

Legal basis:

Article 675 of the Civil Code of People's Republic of China (PRC)

The borrower shall repay the loan within the agreed time limit. If the term of the loan is not agreed or clearly agreed, and cannot be determined according to the provisions of Article 510 of this Law, the borrower may return it at any time; The lender may urge the borrower to return it within a reasonable period of time.

Article 676

If the borrower fails to repay the loan within the agreed time limit, it shall pay overdue interest in accordance with the agreement or relevant state regulations.

Article 3 of the Civil Procedure Law of People's Republic of China (PRC)

The provisions of this Law shall apply to the people's courts in accepting civil lawsuits brought by citizens, legal persons, other organizations and among them because of property relations and personal relations.