How to punish unscrupulous borrowers through the courts?

            despite the fact that in our country the overall level of culture and moral values in recent years has increased significantly, many people often behave in a careless and do not pay the bills on its debt obligations. What to do with such people and how to punish them?

            the Main thing you need to pay attention when you give money to the debt – on a proper construction debt receipts (agreement). It gives an opportunity to influence the attacker, as Debt collection through the courts always requires some specific evidence. It should be noted that when an oral contract to prove the guilt would be very difficult and sometimes almost impossible.

            the Most important document that can have a Help in debt recovery through the courts, and that is the beginning of a trial, is a claim. It identifies all conditions under which the money was given and applied to other documents, including the IOU. It should be noted that the assistance of the court paid state tax, which is 4% of the amount of the claim (in the amount up to 20,000 rubles). The statement of claim is drawn up in two copies. One of them gets along with the agenda for the future the defendant, while the second is compiled this case.

            the First stage of the proceedings – is a challenge to judge both sides for some explanation, which will subsequently be used in business, as well as to supply additional evidence. It is at this stage still have the opportunity to peacefully resolve the conflict.

            Then begins the second stage of judicial debate – the primary hearing. We first present the conflicting parties, the Secretary, the judge, as well as the announcement of the lawsuit. The floor to the plaintiff.

            once expressed, the plaintiff passed the word to the defendant. The defendant may Express either agreement or disagreement with the claims. He also has the right to nominate in their favor by some evidence and facts.

            the Next step, the judge offers the parties an opportunity to approach him with requests and petitions on the merits. Here it is possible to require additional evidence, evidence, as well as extension and adjournment of the case.

            In the final stage, both sides once again turns the floor where the plaintiff and the defendant can once again briefly describe your present position regarding the claim. When the monologues are finished, the judge adjourns for ruling decision. The decision about the outcome of the case, the judge takes alone in a special room where nobody can interfere. First submitted initial resolution, it shall specify, whether the claim, and if satisfied, then what part. Five days after this will be made a final court decision (motivated). Next, there is an appeal against the decision.

            the Whole process of litigation-the process is long and often difficult. The plaintiff is usually faced with some difficulty – and payment of a considerable duty, and payment for the services of an experienced lawyer, and gathering all the necessary documents. Before giving money to someone in debt, you need to consider its decision.