good turn deserves another.Certainly absolutely everybody knows this saying, but not all follow the precepts of popular wisdom.Malignant non-payment of duty is punishable by law and a criminal offense.In modern jurisprudence there are many examples of how the lender is forced to carry out a debt repayment unscrupulous borrowers in court.
The most common cases in which a natural person who has taken the loan in a financial institution violates the terms of the contract and not making timely monthly payment.Of course, there are various options, and do not necessarily borrower is deliberately evading payment of debts.That is why there is a procedure of peaceful settlement of the conflict with the bank - the pre-trial stage.The borrower can write a statement to the bank with a request to restructure the debt.Even if it refuses, the debtor can submit a document to the court in order to prove its willingness to cooperate.
If after all the parties have not reached a consensus, comes the next stage - judicial recovery of debts.It begins with the fact that the lender puts a claim on the borrower.The claim includes a base on which it is served, the amount of duty shall be collected, as well as interest on borrowed money.This paper should send the debtor indicating the amount of time that it is given on a voluntary repayment of debt.The court will need to present a receipt of delivery by registered mail in proof that the borrower has been acquainted with the conditions.If the response was no, proceed to the next step - filing a claim in the courts.As a rule, the court debt collection itself goes much easier and faster than the preparation for it.
When filing a claim should be attached all the supporting documents: a loan agreement, a claim the defendant asking for voluntary repayment of debt, and also specify the size of the amount exacted, and additional penalties.The more complete list of documents will be, the faster will be made proceeding.
judicial recovery of debts - not only a long and laborious, and expensive process, because it will be necessary to hire lawyers, whose services also need to be well paid.To suit the lender may also make an application for reimbursement by the defendant of all legal costs, but their sum does not exceed the amount of the debt.
After the final decision, binding the borrower to pay the loan amount, the next stage of the process - Debt collection bailiffs.
should also be remembered that the money debt is currently the subject of sale, ie bank lender has the right to resell its collection agency, which will go all the creditor's rights.
So, it is worth remembering that the judicial recovery of debts - is a long process that requires physical and emotional costs.Therefore, you should always give preference to the peaceful settlement of disputes, the benefit, it is available at any stage of the proceedings.
