There are people who try not to refuse help to anyone who asks for it. For them, sooner or later, the issue of debt recovery becomes very acute. In fact, few people, helping out a comrade, see possible problems in the future and are ready to lose the transferred funds. Such transactions are rarely made with unfamiliar people. Most often, the debtors are relatives, neighbors or colleagues.
Instructions
Step 1
First, be patient and decide for yourself what you want. Get the money back and keep the relationship, get the money and end the relationship, or lose both. Since these are, in fact, all options for the development of events, choose the one that suits you best. While the ideal option seems impossible, you shouldn't give it up. The earth is round, as they say, and who knows, maybe someday you will need help in a difficult situation. Therefore, having prepared for difficulties and even mentally acknowledging the possibility of losing money, proceed with activities that will help you save both money and relationships.
Step 2
So, having tuned in to constructive communication and having coped with the desire to express your indignation to the debtor, proceed to collecting the necessary information. Find out all possible contact details (mobile and home phone numbers, e-mail) and the real home address of your opponent. Based on the information received, choose a communication method. Now invite your debtor to a personal meeting. That being said, there is no need to talk about debt. Your goal now is to maintain a good relationship and find out the reason for the delay in settlement. Believe me, such a strategy is more productive than active aggression, which will only provoke a sharp refusal or a game of hide and seek with the debtor.
Step 3
After meeting, ask about the problems that your friend has encountered. It is possible that he has already had the opportunity to repay your debt, or together you can agree on a debt restructuring. That is, about a return on different terms or at different times, in parts. You still have to wait, right? So it is better to agree to an installment plan than to say goodbye to the transferred amount.
Step 4
In case of unsuccessful negotiations, the impossibility of holding such a meeting or receiving a refusal to return your funds, proceed to the next step. Compose a debt reminder letter to be sent to the addressee with acknowledgment of receipt. In it, describe the terms of the loan, indicate the period of the expected calculation and inform about your intention to go to court. It is possible that such a promise can speed up the resolution of the issue, few people want to part with their property by a court decision. Your letter must be written in the correct form and contain only the necessary information, without threats and insults. Since it will be useful for you to present in the process of considering a claim as evidence of your attempts to resolve the dispute peacefully.
Step 5
The last legal way to repay a debt is to file a statement of claim in court. Therefore, if all other possibilities have been exhausted and the result of your efforts is zero, go with a claim to the nearest judicial department, not forgetting to attach all the evidence you have of the fact of the loan transaction (IOU, testimony of witnesses, letter of notice, etc.).
