Your situation is similar to mine. I wonder how you are now. I haven't paid it back for seven months, and now I owe CITIC 24,000. They tell me every day that they want to report the case, or the information has been handed over to the Economic Investigation Detachment. I said I would collect the money and return it as soon as possible. They always say that within three days, I really have no money recently, so I have to put it off. I went to find out. If I do report the case, the police will give you some time to repay it. It can't be three days as you said. And if you really report it, it won't be so simple. The police will talk to you first. Don't believe the report until the police find you. Money can only be delayed. If the bank does report it, you can't get it back, because no one will pay you back when you are in prison, even if there is. The bank knows that they mainly scare you and make you afraid, so you will try to pay it back. Generally, it takes about 1 year to report a case, and there is no repayment record. You will come to the door before reporting a case. You don't have to think or be afraid. Tell them the truth. No money means no money, but don't say no to it. Speak tactfully and tell them that if they are caught and sentenced, they will definitely not pay back the money. Pay back a little if you have money now. As long as there is a repayment record, you can't be sued. Don't worry.