I have made a 30,000 yuan arrears agreement with the plastic surgery hospital, and I will still be investigated for civil liability for breach of contract by the creditors. From the legal point of view: if it is really unable to repay, it should negotiate with the lending institution to extend the repayment period or repay it in installments. After the lending institution files a lawsuit with the court and wins the case, if it fails to perform the court's judgment within the performance period, it will apply to the court for enforcement. When the court accepts enforcement, it will inquire about the real estate, vehicles, securities and deposits under the name of the lender according to law. If the lender has no executable property under his name, refuses to perform the effective judgment of the court, and the negative information such as overdue repayment will be recorded in the personal credit report, and will be restricted from high consumption and entry and exit, and may even be punished by judicial custody. Those who have the ability to refuse to execute are suspected of refusing to execute the judgment or ruling. Legal basis: Article 242nd of the Civil Procedure Law of People's Republic of China (PRC), if the person subjected to execution fails to perform the obligations specified in the legal documents according to the notice of execution, the people's court has the right to inquire about the deposits, bonds, stocks, fund shares and other properties of the person subjected to execution. The people's court has the right to seal up, freeze, transfer or change the property of the person subjected to execution according to different circumstances. The property inquired, sealed up, frozen, transferred or changed in price by the people's court shall not exceed the scope of obligations that the person subjected to execution shall perform. When the people's court decides to seal up, freeze, transfer or change the price of property, it shall make a ruling and issue a notice of assistance in execution, which the relevant units must handle.