Receipt of money for rent apartments, for advance vehicle sold or just about cash loan - a standard contract, which is often between private individuals.And Russian citizens are divided into two types: some require a receipt, while others are embarrassed to ask for a guarantee of payment of the debt even if the loan million rubles.The latter often motivate their reluctance to the fact that people are afraid to offend their disbelief.Meanwhile, the receipt of money is a guarantee for the debtor and the creditor: one clearly is the sum of duty and understands that it can not demand more than the agreed amount, the other knows that money back to him anyway.And even if the borrower changes his mind to return the money, they can always ask the court a receipt confirming the validity of their claims.
requirements of the law
Receipt of money to be made out for a loan of any amount in excess of one thousand rubles (10 minimum wages).This requirement of the law of the Russian Federation.Form of receipts - arbitrary.If the loan (delivery) of large amounts is recommended to assure a notary document - it will serve as an additional guarantee.
There is no legally approved forms of receipts, so you can write on any piece of paper.However, you must specify the document number of mandatory items: Full name and passport details of the borrower's name and passport details of the lender, the loan amount in words, period of repayment of the money (if it is a loan), interest or mark that loan is interest-free, the place of the document, the date andsignature of the payee.
Receipt of money in the debt:
expert advice to borrowers:
1. Write a receipt with his own hand.In the case where you must sign the printed text, do not leave a space between the text and signature.
2. Carefully read printed text, especially the information about the amount of debt, repayment period, interest rate and penalties.
3. Try to keep your signature at several places got on typed text.
4. Require a copy of a receipt, signed by the lender on the terms of the agreement.This will help avoid additions and changes to the document is not in your favor.
to creditors:
1. Take only a handwritten receipt.
2. The receipt should be written in ballpoint and gel pens are not (this is important for the expert in determining the authenticity).
3. The text should consist of no less than 4-5 sentences, make sure that a receipt written in your presence, on a flat surface and the right hand (if the borrower is left-handed, then left).
4. Check the signature in the passport and the signature on the receipt.
Collecting money
Receipt of money, just like any other debt, has the statute of limitations.He is three years from the receipt of the loan.And that should be considered in cases where your debtor requests deferment if you want to give it, take care of drawing up a new document in the case where the statute of limitations of the old receipts is about to end.
If your debtor does not show the desire to return the money, write a statement in court.Following a decision in your favor you must pass a writ of execution to the bailiffs service in the community, which will be to collect the debt from the borrower in your favor.
