2. If you don't pay back the money, there is a civil legal relationship between the two parties, and the dispute between them is a civil dispute. There are two ways to solve civil disputes: negotiation between the two parties, mediation by the third party, or bringing a lawsuit to the people's court. If negotiation or mediation fails, or if they are unwilling to negotiate or mediate, they may bring a lawsuit directly to the people's court.
Legal basis: Article 1064 of the Civil Law of People's Republic of China (PRC) (hereinafter referred to as the Civil Law), the debts jointly signed by the husband and wife or ratified by one of them afterwards, and the debts incurred by one of the husband and wife in his own name for the daily needs of the family during the marriage relationship belong to the joint debts of the husband and wife. Debts incurred by one spouse in his or her own name during the marriage relationship that exceed the daily needs of the family are not joint debts of the husband and wife, except that the creditor can prove that the debts are used for the common life, joint production and operation of the husband and wife or are based on the common wishes of the husband and wife.