What happens if the dunner calls and swears that he is in arrears for five years?

In the case of five years' arrears, if the debt collector calls to swear to collect debts, he will not bear legal responsibility, and the court will order the debtor to repay within a time limit and fulfill his legal responsibility for repayment. According to the relevant information, if you don't pay back the money you owe, you have to bear the responsibility of paying back the money you owe. If you can't pay back after the deadline, you have to bear the corresponding interest or delay the payment, which is an act of infringing on the right of reputation and the responsibility is to apologize.