1. Limitation of action for malicious default of personal debts: sue in the court within three years from the time when he knows or should know his own rights and interests.
2. The court that sued for malicious arrears of personal debts: should sue to the court where the defendant (debtor) is located (domicile or habitual residence).
3. Collection of evidence of malicious default of personal debt: comprehensive collection of evidence.
4. If the plaintiff wins, the court will enforce according to law. If he has no cash to repay, he can apply to the court for enforcement.
[Legal basis] According to Article 188 of the Civil Code, the limitation period of action for requesting the people's court to protect civil rights is three years. If the law provides otherwise, such provisions shall prevail.
The limitation period of action shall be counted from the date when the obligee knows or should know that his rights have been damaged and the obligor. If the law provides otherwise, such provisions shall prevail.
However, if it has been more than 20 years since the date of damage to rights, the people's court shall not protect them. Under special circumstances, the people's court may decide to extend them on the application of the obligee.