1. If the debt is not repaid, you can choose to sue, provided that there is evidence and it is within the limitation of action. 2. Evidence can include IOUs, audio recordings, payment vouchers, etc. , cannot be changed or copied. 3. If the repayment date is indicated, the limitation of action shall be within two years from the date of maturity of the IOU; If there is no repayment date, you can ask for repayment at any time, within two years from the date of the first recovery. 4. After the judgment of the court, if the other party does not apply to the court for compulsory execution, it may seize the debtor in bad faith.

Legal objectivity:

Article 108 of the General Principles of the Civil Law of People's Republic of China (PRC) * * * The debt 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.