One of the most effective ways to force a debtor to repay a debt is considered to be going to court. Although this is a lengthy procedure, it does not go beyond the legal relationship between the debtor and the creditor. Unlike many methods used by unscrupulous collectors.
Instructions
Step 1
Call or meet with the debtor. Remind him of his debt and find out the reasons for his non-payment. It is quite possible that the borrower has a really difficult life situation that does not allow him to fulfill his obligations on time. In this case, you can agree with him and make concessions: provide a deferral or give the opportunity to pay money in installments.
Step 2
If the debtor does not agree with the creditor, the latter has the right to remind him of going to court, collection agencies and even the police if signs of fraud are seen in the actions of the borrower. Add that in case of going to court, the debtor can increase the amount of his debt, since the creditor has the right to include his legal costs in the amount of the claim. And according to the results of the trial, the debtor will lose his property, car, apartment, if the amount of the debt is very high.
Step 3
You can contact a collection agency. But their services are not cheap. As a rule, the amount of debt is either bought for 20-50% of the principal amount, or transferred to work under an assignment agreement. And a considerable part of the debt that the collectors will be forced to pay will have to be left to them.
Step 4
But the most effective means is still filing a statement of claim in court. This is not as difficult as it might seem at first glance: collect all the documents confirming the fact of the debt, draw up a statement of claim and submit it to the court at the place of residence of the plaintiff or defendant. You can draw up a statement on your own using numerous samples. After that, be patient and wait for the court hearing.
Step 5
You can hire a professional lawyer who will not only help you draw up a competent statement, but also ensure the conduct of the case in court. Include the amount of legal aid costs in the amount of the claim. If a decision is made in favor of the creditor, the debtor will be forced to pay the creditor's legal costs.
