Who has not found himself in a situation where there is at the threshold of a best friend, a friend, a close or distant relative with a request to borrow money in debt.Today it has become the norm.We're used to living a loan.However, giving money, you immediately think about how to collect the debt.Because among the honest comrades sometimes there are individuals who take the money, and they are not going to return.Of course, the situation is delicate.Like as not will occupy - lost a friend, and if you will occupy ... you can lose not only a friend, but also their own funds.
How to borrow money on credit, so you do not have to regret his kind and compassionate?Firstly, it should be clearly understand that giving money to the recipient's need to take a receipt and make a loan agreement and does not need to be afraid that by doing so you offend someone who came to you for help.Secondly, everyone should understand that no matter how he did not trust, but to err on the safe side, the host is entitled to the money, so you do not wrestle with the question of how to collect the debt.
Another option guarantees repayment in addition to receipts can be secured.This is a normal civilized relations.Before wide gesture to open the purse before asking specify what amount he needed, when he plans to return it to you, where he works and how teaches.It is necessary to understand whether your friend needs the money.In any case, if you give money to a loan, you should be prepared for the fact that this money, you will not see or have to work hard to bring them yourself.So count on the real amount that if something is not sorry to be losing.
How to pick up the debt when you borrow money and the lender to you and does not want to return them?If you have a safety net available, no big problems to return posited amount of the debt through the courts, in the presence of a receipt or a loan agreement.In the case of a pledge, you can sell the thing received from the lender.The main thing when taking a pledge to calculate it to be twice as expensive given away your money back, because to sell the same phone or laptop will have, most likely, for half the price.
important to note that the law is issued a loan agreement amounting to a minimum of 10 times the minimum wage.Moreover, such an agreement can not certify the notary.The main thing is to specify the conditions of the contract, the term of repayment, and to see to it that the lender signed.To the contract must be accompanied by a receipt indicating that the money was actually transferred from one person to another.
How to pick up the debt through the courts?It's very simple.It is necessary to write a statement detailing the circumstances and conditions of the loan, to provide documentary confirmation of the loan.Application need to compile in two copies, but before you take it to court, you must pay the state fee.After the court issued a positive decision on the case, bailiffs receive a writ of execution and themselves come to the debtor or for the necessary amount of money, or for property.It depends on what he has.The main thing is not to delay the appeal to the court, as the law strebovat from the debtor the money can only be for three years.
How to get back the debt, if want to go to court as a last resort?In this case, you can seek help from professionals - collectors and private investigators.They will be able to convince the debtor legal means that money back is necessary.In this case the possible return of the debt, even without a receipt.Of course, for the services of professionals will have to pay, however, only they will be able to return the money, do not cross the line of the law, choosing an individual approach to unscrupulous debtors.
