It's no use calling the police when others owe money. Public security organs are mainly responsible for criminal cases and public security management. Non-repayment of arrears is a civil debt dispute, and the parties can solve it through negotiation, litigation, arbitration and mediation. The arrears are not within the scope of police management, and the police can't handle them. However, if one party defrauds other people's property in the name of borrowing money, it may constitute fraud. At this time, you can call the police. For most loan cases, you can't report to the police, but you can only file a lawsuit or send a lawyer's letter to claim your rights.
There are many ways to solve the arrears dispute, including negotiation, mediation, arbitration and litigation. As long as it is used in time and properly, it will get twice the result with half the effort. However, because some creditors often drag on for too long in the negotiation stage in order not to harm peace, they miss many opportunities to recover debts.
If the loan period has expired and the lender still fails to repay the loan after being urged, the lender may bring a lawsuit to the people's court according to law and use legal weapons to safeguard his legitimate rights and interests. Lenders should pay attention to the limitation of action when suing, and the limitation of action for requesting protection of civil rights from the people's court is three years. If the limitation of action exceeds three years, the people's court will not accept it, and the creditor's rights will lose legal protection. In order to prevent the statute of limitations from exceeding, the lender may require the borrower to write a repayment plan before the expiration of the statute of limitations, thus interrupting the statute of limitations. According to the law of our country, the new limitation of action is recalculated from the date of interruption, so that the lender not only has the right to sue, but also can continue to enjoy the right to win the case, which is conducive to protecting the legitimate rights and interests of the lender.
When suing, creditors should probably pay attention to the following evidence: evidence about the debtor's subject qualification, contracts or agreements, bills of lading (which must be signed by the debtor), consignment notes, IOUs and various settlement bills. , and other telegrams, faxes and letters related to debts shall be properly kept. The evidence collected shall be provided to the people's court in a timely manner.
Legal basis: Article 675 of the Civil Code of People's Republic of China (PRC) stipulates that the borrower shall repay the loan within the agreed time limit. If the term of the loan is not agreed or clearly agreed, and cannot be determined according to the provisions of Article 510 of this Law, the borrower may return it at any time; The lender may urge the borrower to return it within a reasonable period of time.