At all times there was a practice of lending money and leave the bills.Someone gave in interest-bearing debt, someone as a friend, without requiring an additional fee for such a service.But be that as it may, not all debts back.Actually, as it is now.Let's say you can afford to borrow some money, but want to be sure that the same amount will come back to you, as promised people to borrow money.As the old saying goes, "friendship is friendship, but the money - apart."This is why there is a document with a simple and clear title "IOU."
How to receipt right?
Sample: "IOU. I Leonov Leonid Leonidovich, born 1.1.1980, passport № ..., issued (date of issue), police department (issuing authority), registered (registration) and living (place of residence)took (amount in numbers and letters) in the debt under 20% per annum from the citizen Fyodor Fedorov, born 2.2.1982, passport № ..., issued (date of issue), police department (issuing authority), registered (registration place) and living (place of residence). I undertake to return the said amount plus interest (the return date). Signature. "
IOUs written only by hand.Subsequently, in the event of any dispute (if the debtor "go into denial"), handwriting examination to identify the author of the text.One only sign the text, typed on the computer for examination is not enough.It is advisable to compare the signature taker borrow money with those in his own passport.It happens that the "professional" debtors in each new receipt put a new signature.
If you give a certain percentage of the amount, it should be indicated on the receipt.
If money is lent in foreign currency, in the receipt should specify exactly what is the currency exchange rate and on what you need to return the money.
IOUs must indicate (required) the date of the return of money to the creditor.From that day limitation period begins when you contact the authorities of the court.Limitations is 3 years.If the receipt date is not specified, then the loan will be considered indefinite.To achieve justice here will be more difficult - before going to court the defendant are required on the return of the loan.
Even if an IOU made correctly, it can not become a money-back guarantee.The first is - the good faith of the debtor.However, if all required items will increase the chance of a refund if you're forced to go to court.
How to get debt receipt?
If the borrower refuses to return the amount taken before (which happens frequently), go to court.The law in most cases will be on your side.There is no delay.Lost time will play against you.Debt recovery depends in many respects on the debtor and is divided into types:
- status (natural or legal person);
- on credit (the presence of property: car, land, real estate, etc.), the presence or absence of an opportunity to recover from the debtor the amount requested;
- the foundation of a debt obligation (a signed loan agreement), harming (disorderly conduct, accidents, etc.).
If the debtor has property claims of creditors, act immediately: you may find yourself in a long list of those who are demanding the return of the debt.The first chance of initiating the refund to repay more.It is not necessary to threaten the debtor to court.Treat it immediately.The requirement to repay may encourage take you money on the adoption of measures for the removal of the property from the blow.Sometimes just leaving the debtor, and find it is not always possible.Thinking about how to repay the debt on the receipt, gather information about a person who did not return the money.All important details, every little thing.Your trump card - the element of surprise.
Further analysis of data allows you to choose the best way to return the debt.Most debtors who have no property, subject to the provisions of the Criminal Code, when their actions are considered fraud.
