It is impossible to catch the whole network. Even if the bank submits it to the court first, the court will inform you to adjust the repayment. If not, the court will put you on the list of dishonesty and submit you to the Public Security Bureau. Ordinary online loans or small loans do not have this right. At most, it is phone harassment, SMS bombing and address book explosion. My personal suggestion is to find a way to pay it back. If the interest (total repayment amount-loan amount ÷ number of years ÷ loan amount) exceeds 0.24, only the interest within 0.24 can be paid, and the excess part need not be paid. Borrowing is risky, and it is done and cherished.