is enough common situation when asked relatives, friends, co-workers borrow money.In view of the circumstances, there is no possibility to refuse.Being a man of foresight, you make money and give a receipt.
But after a while comes the understanding that return the debt no one is going.Phone calls are not answered, the door no one opens ... Another attempt to talk about the return of the debt to nothing lead.From that moment, your headache.How to return the money?
There are two ways to solve.Either you are with a sense of satisfaction that the other bailed out in a difficult situation, you forget about your debt and making certain conclusions, continue to live on.Or a lawsuit heading to arbitration.
So, if you have a written confirmation of the transfer of funds, the refund is greatly simplified because the debt collection receipt based on this document.But it's worth noting that if such a transaction, you were limited to only a verbal agreement is likely to get their money back will not be possible.
very good, if a receipt is made by all the rules: specify the amount, the date of the transaction, the timing of return.But it does not matter if something is written is wrong.In this case, the need to send a registered letter to the debtor, which clearly indicates debt collection receipts.It is with the receipt of the claims arise from the obligations of the borrower to repay the debt.
Here are some simple rules for the preparation of a written document to the recovery of debts on the receipt was not a big problem:
- receipt written personally by the borrower, the focus is on the fact of receiving money.
- clearly indicate passport data both borrower and lender.
- required to specify the date of grant funds.
- Loan amount in figures and in words (and in what currency was issued).
- percent if there was an agreement.
- date of repayment.
- Signature borrower.
If we take are not going to return, then tighten a lawsuit to recover the debt on the receipt is not necessary.Please be aware that the deadline for the statute of limitations, including on such matters, is not more than three years.And he begins to be considered from the date when the money had to be returned.
debt collection receipt includes the right to require payment of interest on the amount of occupied.If their size is not specified, it is determined by place of residence in accordance with the lender bank interest rate (the refinancing rate).Interest shall be paid for each month use the money until the date of repayment.
debt collection receipt provides recovery from the debtor's interest on borrowed finances.And they begin to be calculated 30 days after the lender filed claim for refund.
Debt recovery is far from being a simple procedure of civil cases in which there are subtleties and nuances, so such cases is better to give in the hands of experienced lawyers.They will help you write a good claim to answer all the questions and carry out maintenance on the process.
