I owe more than 20 thousand in installments over a year. Do you want to sue?

Legal analysis: the prosecution needs to meet certain conditions, including the original defendant conditions, specific claims and facts. As long as the corresponding conditions are met, they may be prosecuted.

Legal basis: Article 119 of the Civil Procedure Law of People's Republic of China (PRC), the prosecution must meet the following conditions:

(1) The plaintiff is a citizen, legal person and other organization that has a direct interest in the case;

(2) Having a clear defendant;

(3) Having specific requests, facts and reasons;

(4) It falls within the scope of civil litigation accepted by the people's court and is under the jurisdiction of the sued people's court.