Legal analysis: after being sued, if you really have no repayment ability, you can negotiate with the lending institution to extend the repayment period or return it by stages; If the lender fails to perform the judgment of the court within the performance period after suing the court and winning the case, it will apply to the court for enforcement; When the court accepts enforcement, it will inquire about the real estate, vehicles, securities and deposits under the name of the lender according to law; If the lender has no executable property under his name and refuses to perform the effective judgment of the court, there will be negative information records such as overdue repayment in the personal credit report, which will be restricted from high consumption and entry and exit, and may even be severely punished by judicial detention.
Legal basis: Civil Code of People's Republic of China (PRC).
Article 577 Where a party fails to perform its contractual obligations or fails to perform its contractual obligations in conformity with the contract, it shall be liable for breach of contract such as continuing to perform, taking remedial measures or compensating for losses.
Article 578 Where a party expressly expresses or shows by his own behavior that he will not perform his contractual obligations, the other party may require him to bear the liability for breach of contract before the time limit for performance expires.
Article 579 If one party fails to pay the price, remuneration, rent or interest, or fails to perform other monetary obligations, the other party may demand payment.