A person can get into a situation where the lack of money becomes a problem. At the same time, he makes attempts to borrow funds from friends, take a loan or write a receipt for the amount of debt. At the same time, sooner or later, by oral or written agreement, the borrower is obliged to repay the debt.
Instructions
Step 1
If your debtor has not paid the debt for a certain period of time, then on a voluntary basis, you can conclude an agreement with him to repay the debt with interest. Sometimes there are cases when the debtor simply forgot about the debt or did not calculate the amount. Therefore, in this situation, it is necessary to competently draw up a claim letter, which describes the sanctions that will be applied in case of non-payment of the debt. As a rule, after such information, bona fide borrowers repay the debt.
Step 2
If a receipt for the amount of the debt was drawn up between the lender and the borrower, then it will not be difficult to demand payment of the amount under this document. If there is no response to the creditor's claim for payment, then the next step in obtaining a debt is to go to court. With the help of the court order, the bailiff begins to work with the case. First, the bailiff gives the debtor time to pay off the debt on a voluntary basis. If the debt is not returned, then the bailiffs begin to search for funds in bank accounts and describe and seize the property belonging to the borrower.
Step 3
If you are a debtor on a bank loan, that is, the period of overdue debt is from 30 to 90 days, and the number of non-payment of the minimum or regular payment is 2-3 times, then the bank, in accordance with the loan agreement, may apply certain sanctions to you. To begin with, it will temporarily block your plastic card so that you cannot use the funds until you deposit an amount sufficient to pay the debt. If these measures are ignored by you, then the bank has the right to add you to the black list of clients, as well as reflect your non-payment on your credit history. Accordingly, in the future, obtaining a loan for you will be very problematic.
