In case of non repayment of borrowed money, you can negotiate with the other party first to get the arrears or reach a repayment agreement, but negotiation fails;
If the amount is relatively large, the parties can go through legal procedures, sue the court, ask the court to judge the defendant to pay back the money, and can apply for enforcement of the other party's property to offset the debt.
[Legal Basis]
In 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.