The consequences of being sued if you owe money but have no ability are as follows:

1. Overdue for more than 90 days, if the circumstances are serious, it can be regarded as malicious overdue, and the bank’s collection may also cause harm to you and your family Causes life pressure and affects the normal life of individuals and families;

2. In terms of overdue fees, there will be some expenses such as liquidated damages, penalty interest, etc. The specific charges need to be charged according to the contract, and different institutions are different. Loan products charge different penalties or penalty interests;

3. It has an impact on personal credit records. A bad credit record will have a negative impact on future loans such as home loans, car loans, and credit card processing. resistance.

What to do if you owe money to the bank and are unable to repay it:

1. Pay off the debt in a timely manner, proactively explain the situation to the bank, and keep the account in normal condition;

2. Do not cancel the card because it is overdue. After the expiration date, you should continue to use the credit card normally, spend more, repay on time, and replace the overdue record with a new repayment record;

3. Do not lose contact after the expiration date. Let the bank consider the overdraft and arrears as malicious, otherwise you may be sued by the bank.

To sum up, the debtor needs to repay the debt according to the legal judgment. If he still fails to repay, the creditor can apply to the court for enforcement, and the court can enforce the debtor's deposits, real estate and other properties.

Legal basis:

Article 188 of the "People's Republic of China and Civil Code"

The statute of limitations for requesting the People's Court to protect civil rights The period is three years. If the law provides otherwise, such provisions shall prevail.

The statute of limitations shall be calculated from the date when the obligee knows or should know that the right has been damaged and the obligor. If the law provides otherwise, such provisions shall prevail. However, if it has been more than 20 years since the right was damaged, the people's court will not grant protection. If there are special circumstances, the people's court may decide to extend the time based on the application of the right holder.

Article 189

If the parties agree to perform the same debt in installments, the statute of limitations shall be calculated from the expiration date of the last installment.