Legal analysis: If you are unable to repay the debt, you can negotiate with creditors to repay it by installments, postpone repayment or reduce the debt. If the other party does not agree to postpone or reduce the debt and wants to sue the debtor, then after the prosecution, it is necessary to actively respond to the lawsuit and strive to achieve the purpose of repayment by stages or within a time limit in court! If the other party does not agree to extend or reduce the debt, the court will not support it and will repay all the debts within a time limit. If the creditor has the ability to repay but refuses to pay, the creditor may apply for enforcement. But enforcement will not be put into prison, because civil liability does not involve criminal issues. If the debtor really has no money to pay back, even if the other party wins the lawsuit, the court executor knows that you can't enforce it without money. Only when you have money and refuse to return it can the court arrest people (including judicial custody or be investigated for criminal responsibility for refusing to perform the effective judgment).
Legal basis: Article 667 of the Civil Law of People's Republic of China (PRC) is a loan contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest.