How to make the debt pay off
How to make the debt pay off
One of the most effective ways to getdebtor to return a debt is considered an appeal to a court. This, albeit a lengthy procedure, but it does not go beyond the legal relationship between the debtor and the creditor. Unlike many ways used by unscrupulous collectors.
Instructions
1
Call the debtor or meet him. Remind him of his debt and find out the reasons for his non-payment. It is possible that the borrower has a really difficult life situation that does not allow him to fulfill his obligations on time. In this case, you can negotiate with him and make concessions: grant a reprieve or give the opportunity to pay cash in installments.
2
If the debtor does not agree with the creditor,the latter has the right to remind him of going to court, collector agencies and even the police if signs of fraud are seen in the actions of the borrower. Add that in case of going to court, the debtor can increase the amount of his debt, since the creditor has the right to include his court expenses in the amount of the claim. And according to the results of the court proceedings - the debtor will lose his property, car, apartment, if the amount of debt is very high.
3
You can apply to the collection agency. But their services are not cheap. As a rule, the amount of debt is either bought for 20-50% of the amount of the principal debt, or is transferred to work under the cession agreement. And a large part of the debt, which collectors are forced to pay, will have to be left to them.
4
But the most effective means, nevertheless, remainsfiling a statement of claim in court. This is not as difficult as it might seem at first glance: collect all the documents confirming the fact of debt, draw up a statement of claim and file it in court at the place of residence of the plaintiff or the defendant. It is possible to draw up a statement independently on numerous models. After that, be patient and wait for the court session.
5
You can hire a professional lawyer whonot only help to draw up a competent statement, but also ensure the conduct of the case in court. The amount of legal aid expenses is included in the amount of the claim. If a decision is made in favor of the creditor, the debtor will have to pay the court expenses of the creditor.
