I owe someone 6,000 yuan for the problem I encountered, and I need everyone s help!

First of all, if you are a minor, or do not have full civil capacity, this debt must be paid by your parents, or legal guardian.

Secondly, if you are an adult and have full civil capacity, you should repay the debt, or negotiate with the creditor to repay part of it first, and repay the balance in installments.

However, this situation does not mean that your parents are not responsible. If you are not living separately from your parents and are not financially independent, your parents are still responsible for helping you pay off your debts.

Third, if you live separately from your parents and are financially self-reliant and do not rely on your parents for support, as long as the other party can prove that the 6,000 yuan you borrowed is related to your parents, you can still pursue your parents.

Fourth, if the assets formed by the borrowing exist, the assets may also be used by the other party as debt repayment assets.

Fifth, if you exclude the above possibilities, you are completely self-reliant, and the purpose of borrowing is also your own consumption, and you do not form any assets, then your salary and other income will be frozen as a debt repayment guarantee, and your housing and other income will also be frozen as a debt repayment guarantee.

Sixth, as for the adverse effects, the biggest one is the decline in your social reputation, especially the decline in your bank credit - if you do business and handle banking business in the future, you may be affected, that is, more troublesome.

1. Since you are an adult, the family does not bear any responsibility legally.

2. Surely, this kind of lawsuit affects your personal credit; If you plan to borrow money from a bank or apply for a credit card in the future, it can be troublesome. If the credit system in your area is not well developed, it may not have much impact.

3. If he wins the lawsuit, the court will enforce your bank deposit of up to 1,500 yuan, and then go to your unit to freeze your salary account, leaving only your base living expenses every month until you pay off the arrears, interest and legal fees.

It is recommended that it is best to negotiate with the creditor to settle the matter, because your financial situation determines that the lawsuit is a lose-lose situation, and both parties will have to bear the burden of time, money and physical energy. Let's draw up a new IOU! Repay the loan in installments, add interest, or delay the amount of time you borrow money to repay, etc.

Since you have written an IOU, you must pay it off on the specified date, and if you don't pay it off on the same day, it will already affect your credit problems, unless the other party agrees to your extension! If you don't go to court to file a lawsuit, it will have no impact on the future loan, so I advise you to find some friends to borrow and repay it first

The IOU you see should not have legal effect, he is going to your house to make trouble, you can sue him.