The best way to deal with the inability of the person subject to enforcement to repay the loan can be divided into two stages**: before being included in the blacklist of dishonesty and after being included in the blacklist of dishonesty.
1.Before being included in the blacklist of dishonesty:
At this stage, the person subject to enforcement can actively communicate with the judge of the trial court to show his financial situation and predicament, in order to strive for a more reasonable solution. This can be done by:
Fill in the court's property report order in a timely manner and fill in the property report truthfully;
Provide real evidence of financial and living conditions, such as bank statements, proof of salary income, supporting parents, medical expenses and other relevant supporting materials;
Submit documentary evidence to the enforcement judge to prove that there is a genuine inability to repay the loan at present;
Protect your rights and interests by implementing objection procedures, if you are mistakenly included in the list of dishonest persons.
For example, a person subject to enforcement fills out a property reporting order after the court ruling, showing his income and expenses and family burdens, and providing relevant evidence to support him. Depending on the circumstances, the court may consider suspending enforcement or seeking other solutions, rather than directly putting them on the blacklist.
2.After being included in the blacklist of dishonesty:
If the person subject to enforcement is accidentally included in the blacklist of dishonesty, he should actively communicate with the creditor institution and strive to obtain the opportunity to be lifted from the blacklist as soon as possible. This can be done by:
Negotiate with creditor institutions, explain their predicament, seek reconciliation and renegotiate repayment plans;
Creditor institutions apply to revoke the restrictions on enforcement and blacklists;
Abide by the negotiated repayment plan and actively demonstrate integrity and cooperation.
For example, an enforcement debtor actively communicates with a creditor institution, demonstrates his willingness to improve and repayment ability, and successfully reaches a new repayment agreement. Subsequently, the creditor institution may apply to the court to revoke the blacklist and restore the credit status of the person subject to enforcement.
In general, whether it is before or after being included in the blacklist of dishonesty, it is best for the person subject to enforcement to take a proactive attitude, communicate and cooperate with relevant institutions, demonstrate their integrity and willingness to cooperate, and seek solutions to minimize the negative impact that may be brought about in the future. The loan is overdue and unable to be repaid