Am I really going to jail?

No, but the bank formalities must go. Under normal circumstances, it also depends on whether you still have the ability to repay. If not, he will mediate with you out of court to discuss the repayment method, and generally won't pay you back as much as you owe. The principal must be paid back, but you will be exempted from part of the late payment fee and paid off within a period of time, but your credit information will definitely be blacklisted. Buying a house and a car is definitely not working, at least in recent years. Other credit cards will be stopped one after another, and even all the credit lines of Alipay will be stopped, so try to repay as soon as possible. No, but the bank formalities must go. Under normal circumstances, it also depends on whether you still have the ability to repay. If not, he will mediate with you out of court to discuss the repayment method, and generally you will not pay back what you owe. The principal must be paid back, but you will waive some late fees and pay them off within a period of time. However, your credit information will definitely be blacklisted. Buying a house and a car is definitely not a loan, at least in recent years. Other credit cards will be stopped one after another, and even all the credit lines of Alipay will be stopped. So I still have to find a way to repay as soon as possible. I don't think so, but the bank formalities must go. Under normal circumstances, it also depends on whether you still have the ability to repay. If not, he will mediate with you out of court and discuss the repayment method. Usually you don't pay back what you owe. The principal must be paid back, but you will be exempted from some late fees and paid off within a period of time. However, your credit information will definitely be blacklisted. You can't borrow money to buy a house or a car, at least not in recent years. Other credit cards will stop one after another, and even all the credit lines of Alipay will stop, so you should repay as soon as possible.