By lending money, everyone hopes to get it back. Basically, there are no problems with debt repayment. What to do if there are problems and the person who took the debt cannot or does not want to return it? You can negotiate in an amicable way. If the borrower does not delve into your problems and it is not possible to agree with him, having an IOU written in his hand, it is easy to repay the debt. Without a receipt, you will have to work hard to get your money back.
Instructions
Step 1
If you have a receipt written by the borrower's hand, which indicates the amount borrowed, the repayment period and all the details of the borrower and yours, go to court to return the debt. A receipt will be sufficient grounds for a refund. Write a statement describing in detail all the circumstances that have arisen, and indicate the amount you want to return, taking into account moral and material damage. After a court decision and an order to repay the debt, your borrower will be forced to collect money.
Step 2
Without a receipt, apply to law enforcement agencies. In the application, indicate in detail the circumstances that have arisen, the amount of the debt and your and the borrower's details. A criminal case on the fact of fraud will be initiated on this statement. If you are refused to initiate a criminal case, take a certificate of refusal. Go to court. Please attach the certificate of cancellation you received. At the hearing, invite two witnesses who can testify on the fact of the loan. Provide personal evidence that you transferred the funds and did not receive them back. Depending on the court decision, the debt will be returned to you by enforced collection from the borrower, or the evidence base is not sufficient to return the debt.
Step 3
There are two more options for debt recovery. Contact a private detective agency or collection agency. They work only on the return of large funds and take decent money for their work. Be aware that debt collection methods through these agencies are illegal and if the borrower goes to court, you can go to jail for a decent amount of time. Therefore, it is better to act in a legal way and without threats.
