Legal analysis: first negotiate with the other party to see if you can get the arrears back. If the other party owes money, if the term expires, or if the other party has clear signs of not paying back the money before the expiration, he can take written materials that may reflect the arrears and remittance, such as IOUs and bank transfer records, and go directly to the local court for prosecution. After winning the case, if the other party fails to perform the court's judgment within the performance period, it may apply to the court for enforcement. The other party's prosecution should pay attention to the limitation of action can not exceed three years.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 667 A loan contract is a contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest.

Article 680 usury is prohibited and the loan interest rate shall not violate the relevant provisions of the state. If there is no agreement on the payment of interest in the loan contract, it shall be deemed that there is no interest. If the loan contract does not specify the payment method of interest, and the parties cannot reach a supplementary agreement, the interest shall be determined according to the local or the parties' trading methods, trading habits, market interest rates and other factors; Loans between natural persons are regarded as interest-free.