1. If the debtor has no money to pay his debts, according to article 108 of the general provisions of the civil law of our country, "the debts shall be paid off. If the obligee fails to pay the debt, the debtor may pay the debt in installments if the creditor agrees or the people's court decides. If a person is capable of repaying a refusal, the people's court shall make a mandatory payment. Thus, the debtor must repay the debt.