How to take the debt?

Who among us did not find himself in a situation where a best friend, friend, close or distant relative appears on the threshold asking to borrow money. Today it has become the norm of life. We are all used to living on a loan. However, giving money, you need to immediately think about how to take back the debt. Because among honest comrades sometimes there are such persons who borrow money, and they are not going to return them. Of course, the situation is delicate. It seems that if you do not, you lose a friend, and if you borrow ... you can lose not only your comrade, but also your own money.

How to borrow money , so that later you do not have to regret your kindness and compassion? Firstly, it should be clearly understood that when giving money from the recipient you need to take a receipt and draw up a loan agreement and do not need to be afraid that by doing so you will offend the feelings of someone who came to you for help. Secondly, any person should understand that they would not trust him, but hedge, just in case, the owner of the money has the right to not then puzzle over the question of how to take back the debt.

Another option to guarantee a return of debt in addition to the receipt can be a pledge. This is a normal civilized relationship. Before you open your wallet with a broad gesture before asking, ask what amount he needs, when he plans to return it to you, where he works and how much he teaches. This is necessary to understand whether your friend really needs money. In any case, if you are lending money, you should be prepared for the fact that you will not see any more money, or you will have to try hard to get them back. Therefore, count on the real amount, which in case of what will not be a pity to lose.

How to take the debt, if you lend money, and the creditor does not want to return it? In the case of your existing security, it will not be a big problem to return the amount of debt in court, if there is a receipt or loan agreement. In the case of a pledge, you can sell the thing received from the lender. The main thing is when you take a pledge to calculate that it is two times more expensive than the amount you have given, because you will probably have to sell the same phone or laptop at half price.

It is important to take into account that under the law the loan agreement is issued for an amount that is at least 10 times higher than the minimum wage. And such a contract can not be certified by a notary. The main thing is to specify the terms of the contract, the repayment deadline, and to ensure that the creditor signs. A receipt must be attached to the contract, indicating that the money was actually transferred from one person to another.

How to take the debt through the court? Yes, it's very simple. It is necessary to write a statement with a detailed description of the circumstances and conditions of the loan, provide documentary evidence of the fact of the loan. The application must be made in two copies, but before you take it to court, you must pay the state fee. After the court has made a positive decision on the case, the bailiffs receive the writ of execution and they themselves come to the debtor either for the necessary amount of money or for the property. It depends on what he has. The main thing is not to delay with the appeal to the court, as under the law to try from the debtor money can be only for three years.

How to force to return a debt if to address in court it would be desirable only as a last resort? In this case, you can seek help from professional collectors or private detectives. They will be able to convince the debtor by lawful methods that it is absolutely necessary to return money. In this case, even a debt can be repaid without a receipt. Of course, for the services of professionals will have to pay, however, only they will be able to return money without crossing the law line, having selected an individual approach to the dishonest debtor.