In modern society, people's economic exchanges are increasing, and there are many ways of private lending. Different from the past, there are fewer urgent needs to be solved, and more people lend money to invest at a proper interest rate. However, in private lending, there are many cases where people want others to lose their principal. If the borrower fails to repay the borrowed money or is unable to repay it, he or she should choose a method to recover the loss according to different circumstances.
Operation method
Urge earnestly to help solve difficulties. When the debtor does not run away, but is really unable to repay, ask the other party directly, with a sincere attitude and more times. Understand the debtor's actual economic capacity and income source, let the debtor know the borrower's actual difficulties, and help the debtor plan the repayment method. Master the income law of debtors, and when they know that there is an income, they will call for it.
Take quick action and dispose in advance. Some people owe a lot of money, and they can't repay huge debts with a little money on hand. When they are unable to face reality or afraid of legal investigation, they often choose to run away with money. At this time, it is necessary to take the initiative, make unremitting efforts to obtain the understanding of the debtor's family, inquire about the whereabouts of the debtor, find the debtor in advance, and get the understanding of the other party to return the debt.
Help debtors to establish a stable source of income. If you are really unable to repay due to poor management, don't be emotional. It is your purpose to get back the loan. Therefore, instead of dealing with the court, we should try to find a stable source of income for debtors within our ability and establish a long-term repayment plan. This can not only avoid the embarrassing situation of winning a lawsuit and losing money, but also be beneficial to the debtor and himself. The above three methods should pay attention to the limitation of action. It will be very difficult to sue after the IOU expires and does not sue within two years.
Through court proceedings. If the borrower has the ability to repay the loan or refuses to repay the loan, or if the loan is about to exceed the time limit for litigation, he or she will be prosecuted in the court. The benefits of bringing a lawsuit in the court can confirm the legal relationship of borrowing and lending, with the enforcement force as the guarantee. If the person who owes money has assets, the court may enforce it.
Report of suspected fraud. When borrowing money, they fabricate facts and conceal the truth, so that the borrower can believe them and lend the money to the debtor. After receiving the money, the debtor did not use it according to the agreed content at that time, but used it for other purposes or even participated in illegal and criminal activities, that is to say, the debtor did not intend to repay the money from the time of borrowing. Under such circumstances, the debtor may constitute a crime of fraud and should report the case to the public security.
Handling of other illegal and criminal acts. The debtor didn't repay the money he borrowed. Later, he found that he borrowed money from many people and promised high interest rates. When the demand cannot be repaid, it is necessary to consider whether the other party illegally absorbs public deposits or commits fund-raising fraud. The list of relevant borrowers should be provided, reported to the public security and investigated for criminal responsibility. The last three methods are the last resort. It is also appropriate to let them receive legal sanctions if they cannot recover their arrears.
