If the bank brings a lawsuit to the court, the court will preside over or entrust a third party to auction, and the proceeds from the auction will be returned to the bank's debt first. If there are other debts, you can only pay them off after paying off the bank debts!

If the auction proceeds are not enough to pay off the bank debts, the balance will be eliminated!

If other creditors also sue you, if the auction proceeds are not enough to compensate, their creditor's rights will also be eliminated!

If other creditors don't sue you now, if they don't sue you for more than two years, they will lose the right to win the case!

"Losing the right to win the case" means that you can sue, but the court will not take the initiative to preside over cross-examination according to law. Without cross-examination, you can't judge the facts, and you can't judge the facts ~ ~!

The "2-year" statute of limitations starts from the day after the debt occurs!