if it is really unable to repay, the parties concerned should negotiate with the bank or lending institution to extend the repayment period or repay it in installments. The public security organs cannot participate in this. If there is a crime in the process of collecting loans, the police station can come forward.

The responsibilities of each department are different. The law and the public security exercise different rights and have different jurisdiction. The collection of loans is a civil dispute, which belongs to the jurisdiction of the judicial department. If the police station comes forward, it is ultra vires. However, if there is any fraud on the way to collect the loan, the police station can come forward and solve the loan problem, but the illegal and criminal behavior.

collect the loan first. If the lending institution or bank fails to carry out the court's judgment after taking the lawsuit in the court, it will apply to the court for execution. When accepting the law enforcement, the court will ask the lender's real estate, vehicles, securities and deposits according to the law. When the lender has no executable property and refuses to perform the effective judgment of the court, then the negative information such as the lender's overdue repayment will be recorded in the personal credit report, which will have a great impact and may even be judicial custody.

the police station is the dispatched unit of the public security organ, and the recovery of debt disputes is not under the jurisdiction of the police station, and the police station will not and cannot cooperate with the bank to collect debts. Only when the arrears constitute credit card fraud and the bank goes to the police can the police station detain the parties according to law. The basis is that the court will enforce the property of the parties. Generally speaking, loan disputes are civil disputes, and public security personnel are not allowed to intervene, which is obviously ultra vires. That's clear.

the consequences of loans overdue's failure to return it.

1. High penalty interest and liquidated damages. In the case that the loan is not paid, some lending institutions will pay a certain amount of liquidated damages on the basis of penalty interest. This big expense may lead to the breakup of a family.

2. Credit damage. If you don't pay it back within the time limit, the bank will leave a stain on your credit record, and it is impossible to apply for a credit card or loan in the future. It will also have a certain impact on future generations.

3. Being tortured by various collection methods, ordinary people can't stand such torture, and people who are driven crazy are everywhere.

4. The seizure of assets means that your assets no longer belong to you when the court intervenes, and repayment is the only way out.

5. If the circumstances are serious, you may go to jail, and the rest of your life will be ruined.