Legal analysis: If the loan period has expired and the loan has not been repaid after being urged by the lender, the lender can file a lawsuit with the People's Court in accordance with the law and use legal weapons to protect its legitimate rights and interests. For evidence that may be lost or difficult to obtain in the future due to special circumstances, you may apply to the People's Court for evidence preservation in a timely manner. At the same time, individuals must also actively find ways to obtain evidence by legal means.

Legal basis: Article 565 of the "People's Republic of China and Civil Code", if one party claims to terminate the contract in accordance with the law, it shall notify the other party. The contract is terminated when the notice reaches the other party; if the notice states that the debtor does not perform the debt within a certain period, the contract will be automatically terminated. If the debtor fails to perform the debt within the period, the contract will be terminated when the period specified in the notice expires. If the other party has objections to the termination of the contract, either party may request the people's court or arbitration institution to confirm the effectiveness of the termination. If one party directly claims to terminate the contract by filing a lawsuit or applying for arbitration without notifying the other party, and the people's court or arbitration institution confirms the claim, the contract will be terminated when a copy of the complaint or arbitration application is served to the other party.