Legal analysis: after the debtor owes money, he needs to fulfill the repayment obligation according to the contract. If it is really unable to repay, you can negotiate repayment directly with creditors and try to reduce interest or repay in installments. If one party fails to perform the contractual obligations or fails to meet the contractual obligations, it shall be liable for breach of contract, such as continuing to perform, taking remedial measures or compensating for losses. Failure to pay debts constitutes fraud.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 919 An entrustment contract is a contract in which the principal and the agent agree that the agent shall handle the principal's affairs.

Article 922 The agent shall handle the entrusted affairs in accordance with the instructions of the principal. If it is necessary to change the client's instructions, it shall be approved by the client; If it is difficult to get in touch with the client due to an emergency, the agent shall properly handle the entrusted affairs, but shall report the situation to the client in time afterwards.