Everyone has lent someone at least once in their life. However, some have faced situations when the debtor, for certain reasons or without them, refuses to return the amounts taken. In order to get out of this situation calmly, you need to remember a few basic principles.
When lending, it is necessary to draw up a receipt, which, if necessary, will confirm the fact of non-return of money. This document must indicate the amount of money transferred, passport details of both parties and the return period. If the debt is issued at interest, then their value must also be entered. If this document is not present, then you will have no legal basis for making claims to the debtor, which makes the chance of a return almost zero.
If you understand that the debtor is not going to return the money, then first you need to calm down. Analyze the current situation, stop blaming the person and feel anger towards him. All these emotions will only prevent you from correctly assessing the situation and thereby prolong the non-return. Realize that you are just as guilty in this situation as the debtor, since you were equally involved in this process.
Try not to spoil your relationship with the debtor. If good communication with you is broken, it will only increase the gap and the time for debt repayment. Talk to the debtor about what caused the delay in the refund and discuss ways to solve the problem. Negotiate new agreements. For example, you can divide the refund into several parts that would be convenient for the borrower. There is no need to squeeze everything out of him at once, perhaps these amounts will become financially critical for him.
If the peaceful settlement was unsuccessful, you must apply to the court with a statement of claim with a receipt attached. By a court decision, you can collect the debt yourself or with the help of bailiffs. In this case, the debt can be returned both in money and through the sale of certain property of the debtor, the value of which corresponds to the amount of the debt.
