What is your experience with asking for debts? Ask for a way to ask for a debt

It turned out that I owed a little debt at that time, and then people often knocked on my door when I was alone, or blocked the road, and asked myself for money.

When I was in elementary school, my classmates once owed me a sum of money, and it was very difficult when I was there, and I didn't even ask the teacher for the money I owed me.

I just need money for the Chinese New Year, but that person won't pay it back to me, so I can only block his door every day and splash water on him when he comes out.

My friend borrowed a lot of money from him, and he didn't have enough living expenses, so he wanted to come back, but he didn't want to give it, and told others that he was stingy.

Once in high school, I went to ask myself if the current person asked for money, ran to her house, and then made it clear to his parents that I would ask for the money back.

Once, when I was in high school, a classmate borrowed 300 yuan from me, and I lent it to him because it was a classmate, but who knew that he would not pay me back, so I asked him every day.

I once borrowed 500 yuan from a friend, and I never got pregnant, and after a year, I took care of him again, and if he didn't admit it, I wasted a very long time before I wanted to come back.

You lent your roommate a few hundred dollars when you were in college, and then he forgot about it, and I was embarrassed to remind him that I once hinted at him when I bought clothes again.

Look at the relationship between the other party and you, and adopt different ways to ask for debts. If it is a friend relationship, 1. The tone is tactfulWhen the friend who borrowed the money is present, you can convey the signal of asking for debt to the other party in a tactful way. For example, when everyone chats together and mentions topics related to consumption, you can say:

This product is very good, it's a pity I don't have the money to buy it, if only I had money. In this way, the other person will generally understand what you mean. 2. Half-jokingWhen you meet a friend who owes money, you can deliberately say:

Dude, I heard that you have made a lot of money recently, and I am so happy, I hope you can pay me back some more money. In this way, in a slightly joking atmosphere, let the other party understand what you mean by asking for debt. 3. By the way, when I went shopping with friends who borrowed money, I deliberately showed that I was very interested in many things, but I was helpless and shy; Eat with friends, and when it's time to pay the bill, you can say by the way:

I'll ask for this meal, and I'll borrow your money to pay for it! As a result, friends who owe money are usually embarrassed not to pay back. 4. Make up reasons If the friend who owes money is not willing to repay the money for a long time, and you are worried that the loan will be wasted.

In this case, you might as well make up a white lie, such as "My son didn't pay enough money for tuition, can I pay me back the money I borrowed from you last time?" I am in urgent need of capital turnover in my business, can you repay me some of the money first? Wait, signal to your friends that you need money urgently, and ask for the money you owe.

This will not hurt the harmony, but also increase the probability of returning.

1. Open directly when it expires.

Friends who have not repaid their debts when they are due may not be able to repay, may have forgotten, or may even have no intention of repaying at all, but no matter what, as long as they forget to repay the money, they can take the IOU and tell their friends clearly. No matter what the outcome will be, it is necessary to negotiate first, and if the negotiation fails, Yuqi will adopt other methods.

2. Be clear in person when you see the opportunity.

This method of digging reeds depends on the opportunity to exercise, for example, when everyone is together, and you just need money, it is best to have a friend in the scene, open your mouth and ask the borrower, people nowadays generally have a good face, in that case, and he just happens to be able to change, it is generally a better time.

3. Reverse borrowing.

When a friend refuses to repay the money, you can tell the other party to borrow money to deal with the emergency, and the amount borrowed can be about the same as the amount you lend out is naturally the best. If the other party remembers that they still owe you money, it is easier to pay it back automatically, but if the other party does not mention repaying the money but lends you money, then you can mention the matter of lending money to him, and then you can get the money.

4. Go through legal procedures. Note that the borrower's creditworthiness and repayment ability should first look at the other party's fixed assets, economic income, etc., to determine whether it has the ability to repay. Don't blindly borrow money because of the loss of face, listening to rhetoric or accepting small favors, otherwise, you will suffer a big loss in the end.

If the debts are not repaid, and the creditor can negotiate as much as possible, and if it is unable to negotiate, the creditor shall file a lawsuit with the people's court in a timely manner within the statute of limitations. Applying for a payment order is also one of the effective ways to recover the amount owed.

Legal basis] Article 214 of the Civil Procedure Law: If a creditor requests the debtor to pay money or valuables, it may apply to the basic people's court with jurisdiction for a payment order if the following conditions are met:

1) The creditor Wang Meng has no other debt disputes with the debtor;

2) The payment order can be served on the debtor.

The application shall clearly state the amount of money or valuable ** requested and the facts and evidence on which it is based.

This netizen, borrowing money is not still the most annoying and helpless thing. I don't know if this former friend has an IOU for borrowing money from you, if not, it is best to ask him to write you an IOU now so that he can keep it, but the premise is that he must admit it, because the prosecution period for the loan is only two years, and there is evidence that the court will be able to accept it in the future, but it will not be accepted after two years. If there is no IOU, now you want to go to court with Bo Gong to collect debts, the court will not accept it, you understand this first.

If you want to ask the police station or village committee to help you recover the arrears, the method is inappropriate, first, people may not help you, and second, if they really go, the other party feels embarrassed, and if you lose face, you will break the jar and fall, and if you don't admit to borrowing money, the following things will be difficult to do. As the saying goes: In today's society, it is the uncle who owes money, and the grandson who borrows money, and that's it.

He owes you money and is justifiable, he doesn't care, how angry you are! But there was no way, I had to swallow my anger and beg him to pay back the money, and getting the money back was the last word.

You might as well go to his house in person, face his family and ask for it again, "so that his parents know that their son owes me money and has not repaid", and if he still refuses to pay it, let him write an IOU with the date of repayment (in the near future), so that he can be ready to sue him in the future?

Young people, learn the lesson! If you have money, don't borrow it from outsiders, even if it's a so-called friend.

What friends? Generally, you can find 2 people to go with you, and say, "Lack of money to spend, let the people you go with" say, "Why are you like this, my brother is also short of money now, or hammer him, salute first and then soldier."

There will be someone. Take them to court.