After a person goes to jail, in most cases, the credit cards in his name will not be returned in time. After the bank management tried to collect the debt but it was ineffective, the final solution was to sue. Otherwise, it would be difficult for the bank to deal with the account all the time.
This situation will lead to prosecution, and it will not affect the judgment and enforcement!
First of all, the bank will not consider your specific situation. As long as the payment is overdue, it will be a chaotic collection. If the debtor is in jail and cannot be contacted for collection, it will be a bust as usual. Your address book, harassing your family, relatives and friends. If no one comes forward to repay the loan, you will have to file a lawsuit with the court within a certain time.
Don’t think that debt collectors and banks can’t find you if you are in jail. They are very capable! The lawsuit will be filed at the prison where you are serving your sentence, and then the judge will go to the prison to read out the ruling. Under such circumstances, you have no possibility of refusing and can only sign obediently. After the judgment document comes into effect, banks and debt collectors will most likely apply for enforcement. If there are property and funds, it will be enforced. If you have nothing, then according to the outside rules, your credit will be blacklisted, and you will be listed on the list of old delinquents. After you are released from prison, the creditor will pursue the debt again!
If you have been in jail for several years, you will definitely have no money to pay off your debts. The creditors don't care so much and will continue to ask the court for enforcement. During this period, it depends on whether your relatives and friends can pay off the debt for you. The creditor also bets on this: he will finally be released after serving his sentence. If he still fails to pay the money, he will be detained administratively! Whenever a usurious loan can be obtained, the debtor will try to get through it first. If you still don't have the money to pay back, you will be detained for half a month.
Once you are sued, what will happen next?
If an inmate encounters a civil lawsuit, the court can serve legal documents to the prison, but there is no clear provision in the Prison Law regarding whether the inmate can appear in court to respond to the lawsuit. Judging from the "Measures for the Management of Prisoners Executing Sentences in Detention Centers" and other relevant laws and regulations, for civil lawsuits against inmates, one situation is that the inmates can resolve the temporary departure procedures with a court appearance notice, and the judicial police are responsible for escorting and custody. But it must be returned on the same day; or under special circumstances, the court can be held in the detention center; the third case is a default judgment.
From a practical point of view, default judgment is a high-probability event, and inmates are generally not allowed to appear in court to respond to lawsuits or to attend court proceedings in the detention center, especially for inmates who pose a certain risk to society
In short, serving a sentence does not mean that credit card debts can be written off in one go. Previous debts still need to be repaid, and the source of repayment comes from personal property or labor income after being released from prison. In addition, for a prisoner, serving a sentence can also be used as a defendant in a civil lawsuit. This does not mean that he will not be prosecuted after serving his sentence, and the bank will not lose the right to prosecute him.
Although family members have no obligation to repay the debt on their behalf, once sued, there is a high probability that a "default judgment" will be issued, and a default judgment cannot negotiate interest and late fees, so the debtor cannot be exempted from the penalty. The repayment responsibility also increases the repayment pressure, which is not worth the gain.