Paying debts on time is a code of good faith that everyone must abide by. Turning this kind of thing that can be done by consciously abiding into law enforcement will eventually hurt feelings between the two parties in court. But in front of protecting everyone's rights and interests, the law will be the last and most powerful means for us to recover our debts. If the debtor does not repay the debt, the creditor has the right to claim the creditor's rights, and can recover the creditor's rights within the limitation of action for creditor's rights, which needs to comply with legal procedures.
