The solutions to personal debt disputes include consultation, mediation, arbitration and litigation.
 Negotiation and reconciliation means that the parties to the creditor's rights and debtor, on the basis of voluntariness and mutual understanding, directly negotiate or invite a third person to mediate to resolve disputes. If consultation fails, a written mediation application can be submitted to the local people's mediation committee. If mediation is not possible, apply for arbitration or litigation.
 Prosecution process:
 1. The plaintiff submits the complaint, copy and relevant evidence to the people's court;
 2. The people's court accepts the documents and materials submitted by the plaintiff, reviews them, and places the case on file if they meet the conditions;
 3. The court served a copy of the plaintiff's indictment on the defendant;
 4. The defendant makes a written defense;
 5. Hearing;
 6. The court made a judgment.
 Provide written evidence such as IOUs, IOUs or contracts that can prove the existence of creditor's rights and debt relationships. If there is no documentary evidence, the time, place and amount of the creditor debtor relationship shall be provided, and the testimony or evidence clues of disinterested witnesses shall be provided.
 [Legal Basis]
 According to Article 120 of the Civil Procedure Law, in a lawsuit, a bill of complaint shall be submitted to the people's court, and copies shall be provided according to the number of defendants. If it is really difficult to write a statement of complaint, it may be filed orally, and the people's court shall record it in writing and inform the other party.