1. Is it useful after the repayment plan is signed?

It's useless. The repayment plan is invalid. The repayment plan is only a promise of one party, and the party issuing the repayment plan can change the plan. Whether the other party agrees or not is uncertain. Therefore, the repayment plan is a unilateral plan, and you can change it at will without the opinions of the other party, that is to say, the repayment plan has no legal effect.

However, it should be noted that if the two parties sign an agreement to let the borrower repay the loan in installments and plan the repayment date, it is not a repayment plan, but a repayment agreement. Once signed, it has legal effect. Moreover, as long as the meaning of the contract is true, it does not harm the interests of the state and is not illegal, it will be valid from the signing. If one party fails to implement it, it may bring a suit in a people's court.

The repayment agreement is a legal contract document, which belongs to the contract. The legal effect of the repayment agreement needs to have the elements stipulated by law. Specific to the repayment agreement, first of all, both parties should have the relationship of creditor's rights and debts, secondly, the contents agreed in the repayment agreement do not violate the prohibitive provisions of the law, and finally, both parties should sign or seal it in a standardized way.

Second, what is the prosecution process for not paying back the money?

1. Write a complaint first, file a case, pay the fee, and the court will notify the other party to respond, appoint a court session, hold a court session, and mediate the case. If mediation is not possible, a judgment will be made. After 15, neither party appealed the judgment and applied for enforcement.

2. In case of IOUs, and the time for writing IOUs has not exceeded two years, you can directly sue the other party for repayment. If there is an agreed date, it can be postponed for two years.

3. Try to collect evidence without debt. Text messages, recordings of debt collection, testimony and evidence provided by third parties when borrowing money. Evidence must be verified before it can be used as a basis for ascertaining facts.

4. The trial time of civil cases is: the summary procedure is concluded within 3 months, and the ordinary procedure is concluded within 6 months.

5. If the other party has deposits or other items, he can choose to apply for litigation preservation: First, he can request the court to seal up and freeze.

The repayment plan has no legal effect. When a citizen sues a person who owes money and fails to pay it back, he shall first submit a complaint to the court where the defendant is registered, pay legal fees and apply for filing a case. After the court passes the investigation, it will issue the court session time to both parties. Both parties shall attend the trial of the case in accordance with the regulations, and during the trial, the court will make a verdict. If it is not executed within the time limit, it may apply for compulsory execution.