Where the rights of both borrowers and borrowers are infringed, the infringed shall bring a lawsuit to the court within two years from the date when he knows or should know that his rights are infringed. If the limitation of action exceeds two years, the people's court will not accept it, and the lender's creditor's rights will lose legal protection.
Article 108 of the General Principles of the Civil Law stipulates that debts shall be paid off. If it is temporarily unable to repay, it may be repaid by the debtor in installments with the consent of the creditor or the ruling of the people's court. Those who have the ability to repay and refuse to repay shall be forced to repay by the people's court.
The legal time limit for the first trial is 6 months, and that for the second trial is 3 months. Generally, there is nothing too serious, and the results will be obtained in 3-4 months.