For certain each person in life had situations when appealed to him to occupy a certain sum. The responsiveness and sympathy is peculiar to people therefore many are ready to help the person and to support him. But, unfortunately, not always borrowers are conscientious people and return money. We suggest to examine ways how to take away a debt if do not give.
What to do if the friend does not repay a debt?
As a rule, many of us are ready to borrow money to close people. But what to do in case the person does not repay a debt?
Certainly, the first council which comes to mind – not to worry once again you should not borrow money in general. There is a risk that not only money, but also friendship with the person will be lost. It is connected with the fact that an opportunity to receive easy money can change the person cardinally.
If to approach a question it is competent from legal side, then it is the best of all to think of safety of finance in advance and to issue the receipt. It is desirable to assure her notarially. In the receipt the amount of debt by a copy-book and figures, passport data of both parties, date of writing of the receipt, term of return of money, percent in case of delay of payment and the signature both has to be specified. Remember that the more data and nuances it will be specified, the it will be easier to prove case in case of appeal to the court.
In case the debt is not repaid according to the receipt, it is worth working as follows. For a start try to resolve an issue with the debtor peacefully – discuss a deadline when it can return a loan. Not superfluous will be to write down a conversation on a dictophone – in this case, there will be additional proofs if business nevertheless comes to court.
After the expiration discussed term it is necessary to begin to work. Threats and a talk, most likely, will only aggravate a situation. You should not take from the debtor a part of money at all, insist on return of the necessary sum, otherwise return of a debt will drag on for long time.
If the borrower thought in advance of the money and the receipt of the debtor is available to him, then it is necessary to write the petition. It is worth collecting additional proofs about a loan of money. Warn the debtor, inform him of the statement and specify the time frame when you go to court.
In case there is no receipt and it is necessary to force the debtor to repay a debt, it is necessary to collect proofs about a loan. What can become proofs? It can be dictation record or SMS which prove the loan fact, witnesses at whom there took place the conversation about return of a debt or at which transfer of money was carried out. Further it is necessary to ask for the help the lawyer who will help to make competently the statement for giving in court.