But if you are charged in prison, you don't need to worry too much, because if you are in prison, it is impossible for the bank to contact you personally. After all, you didn't have a cell phone or contact tools when you were in prison. Don't think that banks are omnipotent. Actually, it's all to scare you People don't even know you're in prison. Maybe when they collect money, they will say something dangerous or send you some short messages, which will make you think they are scary, but they are just scaring you.
Once the bank can't contact you and can't ask you to pay back the money, then he will sue you, because this is a process they have to go through, because only in this way can they make accounts and then list the money you owe as bad assets. In fact, it doesn't make much difference to you, because whether in prison or outside, you can't pay back the money. You will be listed as a person who has broken his promise, but it doesn't matter much to you that you have been in prison and have a criminal record.
Of course, you can't stay in prison all your life. There will always be a time to come out. After you come out, people will still ask you for money. This money will never be written off. Hmm. And if you stay inside, people say you can't contact you face to face, but you can contact your relatives and friends, and you may call frantically to collect money.