How to lend money to him to return

Life Episodes

Hello! My name is Oleg and I lend money.

15 years ago

My cousin owes me money. Much money. For many years. I remember, as now, the birth of his second daughter. Happiness. Trouble. As much as a matter of course - the money borrowed. Then another. Then convincing story about the theft borsetki with company money, "Give me, otherwise I will be bad." Then the loans and the inability to even pay the interest: "I beg you, save of credit bondage, and I will give." Later. Someday. May be.

2 years ago

"Friend, I have a problem. Bailiffs have arrested all there. Complete blocking of life. It's a dead end. He addressed wherever possible. Nothing. This edge, brother. Requirement. You're a Christian, a sacred duty to help each other. Of course, I will give. Defaults can not be. You know me, my word - the law. "

"Yes Yes i remember. I told you that I will give. Yes, I give, give, only later. "

"I am ashamed, but I risked your money and went bankrupt. I do not know what to do. Still worse than it was. But my word - the law, I told you, I repeat: the law. "

"I do not know when I will give... Maybe give more?"

1 year ago

"Hey hello! I have an important period in my life. I had a chance start a business. I saw a niche. He agreed with the landlord. Suppliers are waiting for payment. Miss just a few hundred thousand. Give. I will give four months. Give any interest - a guarantee that I will not tighten. I'm on business. Yes, even all take a pledge. Thank you rescued! "

"You know, something went wrong. I can not pay on time. Come later. "

"I was out of reach."

"It annoys me when you call ..."

Silence.

Why this happens

Money simply take. How to go to a coffee shop. People take a loan, and 90% of them do not know how to be repaid, and the remaining 10% think they know. What they have in mind? What they are guided by what principles and what moral living? From that moment they begin the problems and the new "interesting" life.

Money is hard to give. It's heavier than refuse. Because you know what is waiting for a man, and is likely to lose it. You will lose a partner, friend, relative. Before your eyes, it will turn to zero. You'll get a tension in relations. False. A hard truth. But knowing this, we still give in debt.

Why are we doing this? Maybe because we understand the price of a chance? A chance to earn something to change or modify. Giving a chance to a man, we give ourselves a chance and become better.

And if so, then we have given, give and will give the odds. Then the question is how to do it right, then to not have been excruciatingly painful.

How to lend money to back

Do everything possible to debtor has issued you a receipt in which he wrote his own passport data, the amount and terms of debt, repayment period. The receipt is always appropriate for small amounts of debt, for example, up to 100 thousand rubles.

If given a loan of 100 thousand rubles, better receipts can only be a loan agreement. And well, if it provides security of valuables or property, such as a car. In case of default the debtor will be obliged to conclude with you the contract of sale of the car the amount of debt.

What should I do if the debt is not returned

1. send your claim

If the debtor written receipt or signed a loan agreement, but money is not returned, the first thing required to write and send it by mail a claim with the requirement to repay the debt. The claim had warned him about the prospect of litigation, registration fee compensation and litigation costs, indexation of principal and payment of interest at the refinancing rate for the entire period of delay. Now the debtor has 30 days for the calculation, for which the probability of return increases to 50%.

2. Write an application for a court order

If the previous method did not, within 30 days, feel free to write an application for a court order. Then in your best interest to act bailiffs. The probability of return increases to 75%.

3. complain

If it did not help - long live our court, most humane court in the world! In this case, the probability of return increases to 99%. But remember: if the debtor has no income and property, the story may come to nothing, or stretch out for an indefinite period.

4. Yield debt professionals

Under the contract of cession of your debtor will be their debtor, and you will get your money minus the fee.

Well, perhaps, the last two options, if there are no receipts or loan agreement.

5. Make debtor himself sincerely wanted to give the money

It's complicated. Not everyone will not all work. The task - to inform the debtor of the mind, that bad debts will not be luck, good luck, and, therefore, success. To turn the fortune to face him, need to free yourself from debt. With this understanding of the situation the debtor changes the thinking and super-taking to rid themselves of clinical failure.

6. Sorry

It is very important for the person who gave the money. Forgiveness means a new stage in my life has given. Strand breaks with the debtor, which is psychologically hard. It constantly reminds us of the duty of a person who has ceased to exist for you. It is exhausting and does not give to live in peace. When you pluck it - breaks off all negative erase eraser history. You have a clean sheet again, and new bright colors can be applied to it.

These are cases of my life. And how many stories? I am sure you have too. It's time to share.