Don't wait for the money to come, don't be too sensitive, don't delay, take the initiative, or there will be nothing you can do after the statute of limitations.
Step 2 be absorbed
Don't be firm because the other party delays payment, but learn to put yourself in the other party's shoes. At the same time, let the other person think from his own point of view. Realize the friendship between borrowers and borrowers.
3. Participate in the inspection
For those friends who borrow money to invest, in order to facilitate the smooth progress of debt collection, they can participate in the investigation of borrowers' investment projects and see the return on investment of the projects.
Step 4 make suggestions
Participate in the investigation of the borrower's investment projects. If risks or loopholes are found, make suggestions for the borrower and persuade the borrower to turn around.
Step 5 help collect debts
Many people borrow money for the purpose of lending, borrowing at a lower interest rate and lending at a higher interest rate. According to the loan contract signed by both parties, there is no problem in repaying on time. The problem is that if the borrower's high interest cannot be recovered, the triangular relationship will no longer be stable. In this case, it is likely that the borrower does not have the ability to repay debts, and helping him collect debts is helpful for the recovery of loans.
6. Better late than never
For those borrowers who borrow money for production and operation, after in-depth understanding, if they are found to be doing well, but lack capital operation, they can also properly consider becoming lenders again, and it will not be difficult to recover the loan after the borrower's business improves.
7, impeded
Sometimes it is really difficult for lenders to ask for debts, and they can let their close relatives go out, which is likely to receive unexpected results.
9. Stones from Other Mountains
A wise man corrects his own mistakes through the mistakes of others. When the borrower fails to repay the loan for a long time, some non-governmental forces can be used to help, such as village cadres, township government cadres, political and economic cadres, and leaders of public security police units, which may achieve unexpected results.
10, gather the wisdom of all.
For borrowers who owe more money, lenders can mobilize their relatives and friends to destroy borrowers in one fell swoop, but it is not easy to use excessive behavior.
1 1, seven inches
Everyone has his weaknesses. For borrowers, we should be good at discovering their weaknesses and starting from their weaknesses. If the borrower has a good face, he can threaten to disclose the arrears if he doesn't pay it back.
12 with the help of media power
It is not uncommon for news newspapers to make the list of "Lao Lai" public now, and the lender's situation can also be made public, forcing him to repay the loan.
13, without separation for 24 hours.
Referring to the scheme of debt collection companies, when borrowers are always like plasticine, they can ask people to accompany them for 24 hours, which will cause great psychological pressure and actively cooperate with them to pay back the money. Of course, the borrower should be accompanied by a big shot who can cause certain psychological pressure, but never use excessive actions.
14, go deep into the tiger's den
In the case of necessity, entering the borrower's enterprise is to master the business status and property information of the enterprise and to cause great psychological pressure to the borrower.
15, soft grinding and hard foam
In the face of borrowers with different temperament, we should adopt different methods. Some eat soft and don't eat hard, and some eat hard and don't eat soft, which needs to be explored in practice. Avoid the strong and be weak, and adopt the combination of rigidity and softness, or be soft before rigidity, or be soft before rigidity. In-depth discussion of emotion, reason and calculation, let the borrower change his mind first and be willing to pay back the debt. Then further work will be done.
16, risk
Parents, spouses, and children have difficulties in life because the loans are not recovered in time, and they are isolated by their families and get sympathy from the borrowers.
17, repayment by installments
It is likely that a large sum of money will be lent. When the borrower is faced with a high loan, the borrower has a resistance. He can negotiate with the borrower to let him pay in installments, and he may get the money back.
18, Gankun moved.
Transfer the creditor's rights owed by the borrower to others and break away from the loan relationship.
19, paying off debts with debts
If the borrower is both a borrower and a lender, and the borrower's credit is high, after the three parties reach an agreement, the borrower of the borrower can directly return it to himself.
20. Pay off debts with debts
Sometimes, when we lend money to others, we may also borrow money from others. At this time, we can consider using our creditor's rights to repay the debt.
2 1, guarantee liability investigation
The essential significance of providing guarantee for the borrower is that when the borrower fails to repay the loan within the prescribed time limit, the guarantor undertakes the obligation to repay the principal and interest of the loan to ensure the full performance of the loan contract and the safety of credit funds. But in practical work, it is a misunderstanding to attach importance to the borrower and despise the guarantor. Once the borrower fails to repay the loan in time, the borrower and the guarantor must be investigated together. When the borrower is insufficient to repay the loan, the investigation of the guarantor's guarantee responsibility cannot be ignored before the loan principal and interest are fully paid off.
22, first strike is strong
Borrowers borrow money from me, or they may borrow money from others. When the borrower fails to repay the loan as scheduled, it must be collected in time to prevent the borrower's property from being fully executed, so that the debt cannot be repaid. Therefore, when there are multiple creditors, it is necessary to strike first.
23. Disposal of collateral
Mortgaged goods and pledged goods mainly include house ownership, land ownership, valuable documents, machinery and equipment, etc. , as a loan guarantee project. With the development of economy and social progress, these contents will continue to increase and change. However, the core of grasping these contents is that the present value of evaluation and disposal must be greater than the loan principal and interest, and the greater the difference between the present value of evaluation and disposal and the loan principal and interest, the higher the security of the loan. When the loan cannot be repaid on schedule, the mortgaged and pledged items must be disposed of in time in accordance with the general procedures to ensure the safety of the loan.
24. Paying debts in kind
Although the law of our country clearly stipulates that the mortgagee shall not agree with the mortgagor that the collateral shall be owned by the creditor when the debtor fails to perform the due debts, and the pledgee shall not agree with the pledger that the collateral shall be owned by the creditor when the debtor fails to perform the due debts before the expiration of the debt performance period, it does not explicitly prohibit the disposal after the expiration of the debt performance period. After the debt expires, if the debtor does not actively perform the debt, it may consider negotiating with the debtor to pay off the debt in kind.
25. Assistance from debt collection agencies
When your debt collection is unsuccessful, you can consider entrusting the debt to a debt collection company. Debt collection companies have their own debt collection methods, and the probability of debt collection is generally greater than that of self-reliance.
26. Lawyer's Letter
Entrusting a lawyer does not necessarily mean going to court. Can entrust a lawyer to send a lawyer's letter. In judicial practice, a large number of people take the initiative to return the loan after receiving the lawyer's letter.
27. Application for payment order
If the loan relationship is clear, you can entrust a lawyer to apply for a payment order to simplify the loan problem.
28. institute legal proceedings
There is no doubt that litigation is an effective way to solve disputes. When other ways are difficult to solve, we can consider bringing a lawsuit to solve it. Of course, you don't have to entrust a lawyer to file a lawsuit, you can also file a lawsuit yourself. You can entrust a lawyer to write a complaint for you.
29. Initiate criminal proceedings.
Some private lending disputes often violate the provisions of the criminal law. In this case, you can entrust a lawyer to file a criminal complaint and safeguard your legitimate rights and interests by pursuing criminal responsibility.
30. Re-sign the loan agreement.
Sometimes, the loan agreement signed between the lender and the borrower is not conducive to the settlement of disputes, and the lender can redraft a loan agreement on the premise of fundamentally facilitating the settlement of disputes.
A friend said he was willing to give me his wife as a concubine when he borrowed money, but he couldn't be a nanny when he paid back the money. Private lending is risky, so it is necessary to be cautious when borrowing money. When the loan is not returned in time, you can choose a way to safeguard your legitimate rights and interests.