We lend money to friends and acquaintances most often without any formalization of the transaction. It happens that they do not return a large amount borrowed with interest and a receipt. The money is paid as a deposit for the property, which then the seller refuses to sell and is in no hurry to return the debt. What should you do with the debtor?
Instructions
Step 1
If you have lent a good friend, analyze the situation. Maybe he, with all his might, is not able to return the money to you. Try to help him find a job, additional income.
Step 2
Try the practice of "psychological attack" - call the debtor, even if he cuts off the phone. Go to his house, preferably in the evening, when all his family members are at home. Maybe some of them will influence the situation. In no case do not threaten and, moreover, do not use your fists - otherwise you can turn from the injured party to the accused.
Step 3
Refer to the collectors. But, keep in mind that you will have to pay them for the work from 20 to 40% of the amount owed. Also, there is one more nuance - as practice shows, this method is ineffective and only affects very impressionable people who are under the influence of memories of the brigades of the 90s. Do not be influenced by this yourself - do not contact people who are not friends with the law. Then there will be no one to protect you from their threats and blackmail.
Step 4
If you formalized the transfer of money with a receipt or lent less than ten minimum salaries without it (Article 161 of the Civil Code of the Russian Federation), go to court. In order to prove the fact of transferring the set amount without a receipt, witness testimony will be sufficient. Correctly and, preferably, a handwritten receipt by the debtor gives you every chance of winning the case. Then, by a court decision and in accordance with the Civil Code of the Russian Federation, your defendant will be obliged to pay you the amount owed within 30 days and reimburse all legal costs. If the receipt specified interest, which increases the amount of debt, your debtor will be obliged to pay them as well. If the amount was borrowed without interest, they will be charged at the refinancing rate of the Central Bank. If the debtor does not have money, the bailiffs will take the case for execution. The property belonging to your debtor will be seized. If he still does not return the debt to you, the property will be put up for auction. The amount received from its sale will be given to you to pay off the debt (in whole or in part).
