The debt is overdue for 3 years or longer and exact evidence shows that the debtor is insolvent;

债务人逾期3年以上未清偿，且有确凿证据证明已无力清偿债务的；

youdao

The debt is overdue for 3 years or longer and exact evidence shows that the debtor is insolvent;

债务人逾期3年以上未清偿，且有确凿证据证明已无力清偿债务的；

youdao