How to make a claim on private debt

Discuss with the borrower all the terms of money borrowed as detailed as possible. Even if help asking a best friend or relative, don't hesitate to discuss the details. Explain to the person that the IOU is not a manifestation of your confidence, and the legal norm of civilized relations.

By the way, speaking as a borrower, you can also initiate a written document. Unfortunately, the crooks to creditors meet a little less unscrupulous debtors. In cases of dispute, the IOU will be the official confirmation of the commitments of both parties.

Draft receipts. You can write in free form, strict requirements for its registration no. The main condition is the most accurate statement of the terms of the loan.

Provide detailed information about the borrower and the lender: surname, name, patronymic (unabridged), the date and place of birth, address of registration and residence, passport data. This information will allow us to quickly identify a person and prove that he is the lender or the debtor.

Then specify the purpose of the loan. This point is very important. The receipt, which does not indicate the reason for receiving the money, will not be grounds for debt recovery through the courts. For example, the phrase "I got from Sidorova Anna Sidorova 5000 rubles on may 21, 2012," does not reflect the need for a refund. Unscrupulous borrower can say that this amount was given to him as payment for some services or donated, and the receipt only reflects the fact that the transfer of cash from hand to hand. Therefore it is better to use the following wording: "I,..., received from Sidorova Anna Sidorova,..., 5000 (five thousand) rubles 21 may 2012 as a loan".

Please note the correct spelling of the debt and the currency in which it is provided and must be returned. The size of the borrowed funds have to be fully specified in figures and words, for example "5000 (five thousand) rubles." If the money is transferred in foreign bills, it is important to give them the exact name, for example "5000 (five thousand) U.S. dollars."

List the terms of repayment. For the use of money you can assign a specific percentage that the debtor is obliged to pay together with the principal amount. If the loan is interest-free, it is also necessary to reflect in the receipt. Also, specify the expected date of final payment on the loan and the debtor's liability in case of delay of payment. Turn in a receipt, for example, such phrase: "For the use of borrowed funds undertake to pay interest at the rate of 10% (ten percent) per year. The full amount (principal and interest) shall return not later than ... In case of delay of return of borrowed funds guarantee the payment of interest at the rate of 0.1% (zero point one percent) per day of the amount received".

Re-read the draft debt deal. Then, the borrower personally is to rewrite it completely and sign. Do not print the document on your computer. If there is a conflict, the court will require a handwriting analysis to determine the authenticity of the signature of the debtor.

Sign a promissory note, a good option is the presence of two witnesses. They can be colleagues, neighbors, relatives and other people who have no personal interest in this loan. The witness must write on the document with your passport details (surname, name, patronymic, date of birth, series, number, date of issuance of the passport), date of transfer and to sign after the main text and signatures of the debtor and creditor. To assure an IOU notarized, the law is not required, but if desired.