Bank debt must be repaid. Regarding the specific matter of repaying the law, of course, first of all, you can file a lawsuit in court to require your father to repay the bank debt (because your father used someone else's ID card to make a loan, which is illegal in itself). In addition, you can also sue the director of the credit union (this has nothing to do with whether you are retired or not. Legal sanctions for breaking the law are regardless of age, retirement, etc.). The important thing to remember is: he is the guarantor (if your father has no ability to repay, you can Ask the court to order him and your father *** to repay the bank's debt). Legally, the director bears civil liability for "joint and several compensation". In addition, he is a state employee and has violated the law first (knowing that it is illegal for your father to borrow someone else's ID card for a loan, and he caused losses to the state for personal gain). You can sue him separately, and you may even have to face a lawsuit. In addition, the bank also bears some (relatively small) responsibility because they failed to conduct careful examination and control. It indicates that there is a problem with the internal system. However, you and your uncle will eventually have to help your father share some of the burden (if you are determined not to help him), then he will have to file a lawsuit. In addition, if the director's financial situation is relatively good, you can ask him to pay back more, but don't be soft-hearted, otherwise you will take advantage of it. You return them all. I hope you still go to a lawyer for careful consultation. After all, the amount of money is relatively large. Seeing your father like this, he might as well go to court, he has no sense of responsibility at all. Tell him to reflect and reflect in prison. Haha, this is an angry word. Go and consult a lawyer quickly. Hope this matter can be resolved properly.