What if the borrower doesn't pay back the money or reply to the information?

Legal analysis: call the police. If you owe money and don't return the information, you can call the police or bring a lawsuit directly to the people's court. When you sue, you must bring relevant evidence, such as IOUs. In the case of little money, it is suggested that both parties negotiate privately first. As long as the two sides can negotiate happily, there is no need to go to the people's court for prosecution.

Legal basis: Article 577 of the General Principles of Civil Law of People's Republic of China (PRC): If a party fails to perform its contractual obligations or fails to perform its contractual obligations, it shall bear the liabilities for breach of contract such as continuing to perform, taking remedial measures or compensating for losses. Article 675 The borrower shall repay the loan within the agreed time limit. If the term of the loan is not agreed or clearly agreed, and cannot be determined according to the provisions of Article 510 of this Law, the borrower may return it at any time; The lender may urge the borrower to return it within a reasonable period of time.