What if you owe money and don't answer the phone or return the message?

If the borrower refuses to answer the phone or return the information, he can collect evidence that can prove the fact of the loan according to law, then write a complaint and bring a civil lawsuit to the court with the debtor as the defendant. However, the limitation of prosecution cannot exceed three years.

Legal objectivity:

People's Republic of China (PRC) Civil Code

Article 188

The limitation period for requesting protection of civil rights from the people's court is three years. Where there are other provisions in the law, those provisions shall prevail.

The limitation period of action shall be counted from the date when the creditor knows or should know that the right is damaged and the debtor knows it. Where there are other provisions in the law, those provisions shall prevail. However, the people's court shall not protect the rights that have been damaged for more than 20 years. Under special circumstances, the people's court may decide to extend the time according to the application of the obligee.

People's Republic of China (PRC) Civil Procedure Law

Article 119

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.