How to collect on a debt?

Who among us has not been in a situation when appears on the verge of best friend, friend, close or distant relative with a request to borrow money. Today it has become the norm. We all used to live on loan. However, by giving money, you need to immediately think about how to collect. Because among the honest comrades sometimes there are such individuals who borrow money, and to return them is not going to. Of course, the situation is ticklish. Like as not will take – will lose a friend, and if you take… you can lose not only a friend, but equity.

How to borrow money in debt, to then not have to regret my care and compassion? First, you should clearly understand that giving money to the beneficiary is required to take a receipt and make a loan contract and need not fear that by so doing you insult the feelings of the one who came to you for help. Secondly, every person needs to understand that as wouldn't trust him, but to be safe, just in case, the owner of money is entitled, to then wrestle with the question of how to collect.

Another option of guarantee of repayment in addition to receipts can become a collateral. This is a normal civilized relations. Before a wide hand gesture to open the wallet before asking, ask for what he needed amount when he plans to return her to you, where and how much teaches. It is necessary to understand whether you really need your friend the money. In any case, if you give money in debt, you should be ready that this money you will never see or have to really try to get them back. So count the real amount in the case of what is not a pity to lose.

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How to collect on a debt if you borrowed money, and the creditor, and you do not want them to return? In case your existing insurance policy, will not be big problem to return the appropriate amount of debt in the court, in the presence of a receipt or loan agreement. In the case of a pledge, sell the thing received from the lender. Most importantly, when you take the pledge to calculate that he was twice given you the amount because you sell the same phone or laptop will, most likely, for half the price.

It is Important to note that by law, a loan agreement is issued for an amount at least 10 times the minimum wage. Moreover, such a contract can not notarize. The main thing is to specify the terms of the agreement, term of repayment, and to ensure that the lender is signed. The contract must be accompanied by a receipt indicating that the money was indeed transferred from one person to another.

How to collect debt through the court? It's very simple. Need to write a statement detailing the circumstances and conditions of the loan, to provide documentary confirmation of the fact of the loan. The application must be in duplicate, but before you take it to court, you must pay the state fee. After the court delivered a positive decision in the case, the bailiffs receive the writ and come to the debtor or the necessary amount of money or property. It depends on what it has. It is important not to delay going to court, as by law, to demand from the debtor the money only for three years.

How to make to repay the debt, if you go to court you want only in a pinch? In this case, you can seek the help of professionals – collectors or private investigators. They will be able legitimate means to convince the debtor that the money back just need. In this case, possible even a debt return without a receipt. Of course, for professional services will have to pay, however, only they can return the money without crossing the line of the law, choosing individual approach to the dishonest debtor.