It is unlikely that now you can meet an adult who did not borrow or lend money. Often, the debtor does not repay the borrowed loan on time, in every possible way avoids communication with the creditor. The person who gave the money finds himself in a difficult situation and does not always understand how to demand the repayment of the debt.
Instructions
Step 1
All the terms for which you were promised to repay the debt have already passed, but the situation has not changed. You hear the same excuses and promises to give money from your next paycheck. In such a situation, if the debtor is a good friend or friend of yours, you feel uncomfortable. The thought often arises to forgive a debt.
Step 2
But you need to receive debts in order to save your face and self-respect. And my friend, while you communicate and demand a refund, feels on an equal footing with you. After all, if you give up on debt and stop talking about it, the person will think that you are sure of his dishonesty and insolvency. The debtor may think that you are demonstrating your undoubted superiority by doing this.
Step 3
There is a chance that they will consider you a coward and decide that you can still ask for money and not even try to give it back. Consider all these considerations and firmly continue to demand debt repayment. Come up with more reasons to remind the person of your existence. “I heard you got your salary …”, “They say you were given an award…”.
Step 4
Hint that you need money too. “I'm going to go on vacation here with my family…”, “My wife's birthday is coming soon, I need to buy a good gift…”. Set a specific date for the debtor to remember. "I will need the money before March 8, please do not delay."
Step 5
To no longer find yourself in such an unpleasant situation, ask for a receipt or a deposit. Often, an offer to take out a loan in writing leads to the fact that a person borrows less or changes his mind about borrowing altogether.
Step 6
You can draw up a loan agreement yourself if you do not want to pay money to a notary. Write it down on a piece of paper, noting without fail: the amount to be transferred specifically to debt (not for perpetual use); a specific timeframe for a refund; penalty for late payment, for example, a certain percentage of the total amount of the debt for the day, week, month of delay in repayment. At the bottom, put the date of filling out the document and your signatures with a transcript.
