According to the plaintiff's indictment and evidence, write a civil defense, and explain and refute the facts and evidence presented by the other party one by one. If the lawsuit is filed in a different place, you can raise an objection to the jurisdiction of the court and ask the court to dismiss it. If you are sued, you must actively respond. Negotiate the second interest-free installment as soon as possible after the deadline to avoid unnecessary trouble and increase of penalty interest.

Legal basis:

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

Article 127 After the people's court accepts a case, if the parties have objections to the jurisdiction, they shall raise them during the submission of the defense. The people's court shall examine the objections raised by the parties. If the objection is established, it shall be ordered to transfer the case to the people's court with jurisdiction; If the objection is not established, the ruling shall be rejected. If the parties fail to raise any objection to the jurisdiction and respond to the lawsuit, it shall be deemed that the people's court against whom the lawsuit is filed has jurisdiction, except those that violate the provisions on hierarchical jurisdiction and exclusive jurisdiction.

Article 676 of the Civil Code of People's Republic of China (PRC)

If the borrower fails to repay the loan within the agreed time limit, it shall pay overdue interest in accordance with the agreement or relevant state regulations.

Article 678 of the Civil Code of People's Republic of China (PRC)

The borrower may apply to the lender for extension before the repayment period expires; If the lender agrees, it can be extended.