I've been in debt for several years, and I don't answer calls or text messages. Can I sue the other party?

If the debtor cannot be found, you can sue him, and the lawsuit should be filed promptly.

The debt has been owed for several years, and this also involves the issue of statute of limitations. The current statute of limitations is three years, starting from the date when repayment is due. Therefore, the debt has been outstanding for a long time, and you need to pay attention to whether the statute of limitations has expired. Once the liability exceeds the statute of limitations, the debtor gains the right to defend. Even if the facts are clear and the evidence is sufficient, the debtor still loses the lawsuit.

Some creditors do not file a lawsuit because the debtor has no money. They think that if the lawsuit is not filed, the result will be the same and they will not get any money at all. If we only look at the effect of clear claims, then such a situation may indeed occur.

However, legally speaking, regardless of whether the debtor has property, the lawsuit should be filed promptly.

1. Guarantee the right to win the lawsuit. If there is an agreed repayment date and you cannot contact the debtor, it may cause the statute of limitations to be missed.

2. Interest income. If there is no agreement on interest before and no agreement on the repayment period, you can claim interest from the date you file a lawsuit. If you do not file a lawsuit, you cannot claim interest.

3. Penalty interest income. After the lawsuit is filed, the judgment will be attached with a sentence that if you refuse to fulfill the judgment, you will need to pay double interest. This is a penalty interest, and the standard is clearly stipulated by law.

4. There is a possibility of repayment. If you file a lawsuit, you can apply for property preservation and seize his assets pending execution by the court when the judgment takes effect. During the execution stage, the court can also inquire about his property through the search and control system. If the person cannot be found, some local courts can cooperate with the public security organs to find the person through the public security organs. Therefore, even if he does not answer the phone or respond to text messages, you may still be able to recover the money you owe through litigation.

To sum up, you can find that when dealing with someone who refuses to repay the money, you must file a lawsuit in a timely manner to best protect your rights! To treat Lao Lai, you must go to court and seek help from our country. Because our country is the backing force for justice and fairness. Let those who fail to fulfill the terms of the IOU and practice fraud be brought to justice.