My father can't repay the loan in my name. What should I do if I am sued?

According to what you said, you and the other party have entered into a loan contract relationship. Once the contract is signed, it is legally binding, and any party shall abide by it and fully and properly perform it. Now that you have defaulted on your repayment, the other party can sue you for repayment of the principal and corresponding interest. Of course, you can negotiate with the other party or mediate through the court. If the other party agrees to postpone repayment or provide collateral for guarantee, the law does not prohibit it. Besides, is it the problem of usury? If the monthly interest rate is two points, the annual interest rate is 24%. According to Article 26 of the Provisions of the Supreme People's Court on Several Issues Concerning the Application of Laws in the Trial of Private Lending Cases, which will be implemented on September 1 this year, if the interest rate agreed by both borrowers and lenders does not exceed 24% per annum, the people's court shall support it. Accordingly, it does not belong to usury. The above suggestions are for your reference.