A large number of people are thinking about how to repay the debt. Perhaps there are few people who did not give money to their friends, friends or relatives on credit, with a subsequent return. At the same time, a tendency was noted - the closer friends or relatives are, the longer they are in no hurry to repay debts and the more difficult it is to ask for a repayment of the debt to the lender. In this case, there is a psychological aspect - I do not want to spoil relations with relatives or friends.
How to repay the debt that you have loaned? The question is how you formalized your relationship with the borrower - made a loan agreement and when transferring money, the borrower wrote a receipt or not.
If you still intend to lend money - correctly issue a receipt, which the borrower must write with his own hand in your presence.
Often, to apply for a receipt, the parties turn to the notary's office. In this case, the notary explains that notarization of the receipt is not required.
In the receipt must be the word "receipt", which entitled
a document, then it indicates who is borrowing money from whom and under what conditions. The data of the borrower and the lender shall indicate the surname, first name, middle name in full,
passport data, place of residence and registration address. Next is indicated the period for which money is borrowed and when they are obligated to repay. The return date must be specified. At the end of the receipt, a
signature is placed
, a transcript of the signature and the date of compilation is mandatory. In the event that the receipt is incorrectly executed, but it is somehow formalized, it can also be used in court as proof of a loan, however, the court may have a lot of questions.
Close relatives or friends give a lot of money on loan without registration
any documents under the "honest word". They gave money in a loan, the repayment deadlines have already passed, a logical question arises - how to repay a debt without a receipt?
Any written documents can serve as evidence in court - preliminary correspondence with the borrower, proof of sending your claim to him and his answer to it. Other written evidence may be all documents related to the loan: acts, certificates, business records.
In addition, if you have a question about how to repay a debt, the documents for the occurrence of which you do not have, you can submit the following evidence to the court. Any audio and video recordings can serve as evidence, in this case it is necessary to explain: how, when, under what circumstances and by what technical means the recording was made.
If a question arises about how to repay debts, documents from the police can serve as serious evidence. This is done as follows. You are
filing an appropriate
complaint with the police. On your application, 100% you will receive a
refusal to institute criminal proceedings. Your task is to ensure that the employee of the inquiry body reflects in the explanation that he will take from the debtor that he recognizes the very fact of receiving money from you on credit.
In the future, so that you do not have a question about how to repay the debt, in spite of any close relations, document everything.