In practice, there are two different situations in which the debtor is unable to repay: one is temporarily unable to repay. If this is the case, it can be repaid by the debtor in installments in accordance with the relevant provisions of the above general principles of civil law. The other is permanent inability to repay. If it cannot be paid off permanently, it can only be paid off with the debtor's personal existing property. 1, if you don't pay your debts, you will bear the legal consequences. Creditors can also sue and then apply for enforcement of the debtor's property. 2. Whoever refuses to execute a judgment or ruling shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or criminal punishment according to Article 313 of the Criminal Law. 3. If the person in charge refuses to execute the effective judgment of the court because there is no executable property under his name, negative information such as overdue payment will be recorded in his personal credit report, which will restrict his high consumption and entry and exit, and may even lead to judicial custody. Legal basis: Article 108 of General Principles of Civil Law of People's Republic of China (PRC). If it is temporarily unable to repay, it may be repaid by the debtor in installments with the consent of the creditor or the ruling of the people's court. Those who have the ability to repay and refuse to repay shall be forced to repay by the people's court.