1. First, negotiate with the plaintiff and ask the plaintiff to withdraw the lawsuit;

2. If the plaintiff is unwilling to withdraw the lawsuit, he will actively respond to the lawsuit;

(1) The people's court shall send a copy of the indictment to the defendant within five days from the date of filing the case, and the defendant shall submit a reply within fifteen days from the date of receipt. The defense shall specify the defendant's name, gender, age, nationality, occupation, work unit, residence and contact information; The name and domicile of the legal person or other organization and the name, position and contact information of the legal representative or principal responsible person. The people's court shall send a copy of the defense to the plaintiff within five days from the date of receiving the defense;

(2) If the defendant fails to submit the defense, it will not affect the trial of the people's court.

3. If the plaintiff only borrows money and the loan without lending is invalid, the court will not support the plaintiff's claim. At the same time, the borrower should collect relevant evidence of not receiving the loan and refute the borrower's claim.

(1) Unless otherwise provided by law, the parties shall provide evidence to prove the facts on which their claims are based or refute the claims of the other party. Before making a judgment, if the parties fail to provide evidence or the evidence is insufficient to prove their claims, the parties with the burden of proof shall bear the adverse consequences.

(2) The party who advocates the existence of legal relationship shall bear the burden of proof for the basic facts that produce legal relationship;

In order to have legal effect, the IOU shall have the following contents:

1. The legal full names of the borrower and the lender shall be clearly written;

2. The loan amount should be clearly written, including the amount expressed in words and figures;

3. The term of the loan should be clearly written, including the start and end dates of the loan and a clear loan term;

4. The specific repayment date should be clearly written;

5. The interest of the loan should be clearly written, and there should be a clear annual or monthly interest rate and the final loan interest payable. ;

6. The date, month, day, time and payment method of repayment of loan principal and interest shall be stated;

7. There should be the borrower's personal signature, handprint or handwritten signature.