面对借钱不还，是忍气吞声还是以赖制赖？
In the face of borrowing money and not paying it back, do you swallow it or rely on it?
首先，尽可能与借款人沟通并寻求解决方案。
First, try to communicate with the borrower and seek solutions.
了解他们为什么没有按时偿还借款，是否有什么困难或问题需要解决，以及他们能否制定还款计划等等。
Learn why they did not repay the loan on time, whether there are any difficulties or problems to be solved, and whether they can make repayment plans.
这些信息可能有助于找到解决方案。
This information may help to find a solution.
其次，如果沟通不起作用，您可以考虑采取一些法律措施，如起诉借款人、聘请律师等等。
Secondly, if communication fails, you can consider taking some legal measures, such as suing the borrower, hiring a lawyer, and so on.
但是，在采取法律行动之前，请确保您已经详细了解了适用的法律和程序，并获得了合适的建议和支持。
However, before taking legal action, please ensure that you have a detailed understanding of the applicable laws and procedures, and have received appropriate advice and support.
当然，处理这种情况的最佳策略可能因具体情况而异。
Of course, the best strategy to deal with this situation may vary from case to case.
但是，作为一个借款人，遵守借贷协议，按时偿还借款是明智的做法，这有助于维护良好的信用记录并避免任何不必要的麻烦。
However, as a borrower, it is wise to abide by the loan agreement and repay the loan on time, which helps to maintain a good credit record and avoid any unnecessary trouble.
