Instruction
1
Always execute a loan credit agreement or the debtnovel receipt. These documents must be spelled out the amount of the transferred money, the interest on the loan, repayment period, and full data on both sides. Specify force majeure and stipulate penalties in case of violation of the terms of the agreement.
2
Keep calm and common sense, if the debtor refuses to repay the debt. It is not necessary to panic and get angry, these emotions will not help solve the problem but will only aggravate the situation. Talk with the borrower and discuss the situation.
3
Remind him of the terms of the contract and specify the articles of the Civil code that oblige him to pay the debt. Agree on measures that will help you to recover the debt without prejudice to the financial condition of the borrower.
4
Write a complaint letter to the borrower if he continues to ignore your demands for the payment of the debt. Specify the amount of indebtedness, terms of repayment and note the consequences of default specified in legislative acts and the terms of the loan agreement. Send the letter by registered mail. Save the shipping receipt, which will be the material evidence in case of litigation.
5
Filed a lawsuit in the court for the debtor, specify the amount of the debtand attach all the necessary documents that confirm the indebtedness. Will get a writ and a judgment for the recovery of the borrowed amount plus accrued interest.
6
Present to the debtor the writ of execution, which obliges him to pay the debt. This can be done independently or through a bailiff. The second option is more preferable as it does not require you to spend your own time and nerves to resolve disputes. If the debtor cannot be found at the place of residence, contact law enforcement and file a report on his search.
