What should I do if I borrow money, don't return the phone, don't answer the message and don't return it?

Legal analysis

Those who don't receive the information or answer the phone call owing money can directly sue the court for repayment. If the debtor can't be found after prosecution, the court will make an announcement to serve the complaint and summons; If the other party does not appear at the hearing, the court may make a judgment by default. When the time limit for performance expires after the judgment of the court, the creditor may apply for compulsory execution.

The problem of arrears can be solved in the following ways:

First, negotiate directly with the debtor to get the other party to repay directly;

second, you can find an intermediary to coordinate, reach a repayment agreement, and repay as soon as possible.

Third, the above channels still refuse to repay. Creditors can collect evidence and then go to court to demand that the debtor be judged to fulfill the repayment obligation according to law. If there is no debt, you can show it to the court as evidence, such as transfer records and receipts.

legal basis

the parties concerned must comply with the legally effective civil judgment or ruling in Article 236 of the Civil Procedure Law of the People's Republic of China. If one party refuses to perform, the other party may apply to the people's court for execution, or the judge may transfer it to the executor for execution. Mediation and other legal documents that should be executed by the people's court must be fulfilled by the parties. If one party refuses to perform, the other party may apply to the people's court for execution.

Civil Code of the People's Republic of China

Article 4 If the whereabouts of a natural person have not been known for two years, the interested party may apply to the people's court to declare the natural person as a missing person.

Article 42 The property of a missing person shall be placed in the custody of his spouse, adult children, parents or other persons who are willing to act as the property custodian.

if there is a dispute over the custody, and there is no person specified in the preceding paragraph, or the person specified in the preceding paragraph is incapable of custody, the custody shall be conducted by a person designated by the people's court.