Former colleagues owe money and don't pay it back, how can they come back!

There are two kinds of debts, one is that there is no money to pay back, and the other is that there is money to pay back.

If it is, there is no money to pay it back.

Since the other party is your friend, if the other party doesn't mean to breach the contract, don't be too hasty, and ask about the final time to pay back the money.

If the other party has money then, I'm sure the other party will pay you back. If not, it is a euphemism to remind you that you are short of money now. Most people will give it back to you.

In addition, if there are not many, the other party's character is reliable, and writing an iou to a friend will hurt feelings, but you must remember not to give cash, and it is best to transfer the account in your name to the account in the other party's name, which is the safest.

If you don't pay back the money.

Such people, don't mention it. The other party doesn't care about his credit, so he doesn't care about his face. You should urge him, not only to let him know, but also to influence his neighbors and relatives. He borrowed money but didn't pay it back, and his quality was poor. When you meet someone you know, you can tell a story about him owing money and not paying it back.

If the other person doesn't care about his reputation for a long time, personally, you have to prepare for a lawsuit at this time.

In order to ensure that the court finally supports you as much as possible, you can apply for enforcement.

Be sure to prepare the evidence in advance. For example, if you don't borrow money, you can actually find each other and find an excuse to make up for it. If you don't make up the loan, you should also record more videos and prepare witnesses in advance.

In other words, let the other party admit that he lent you money and hasn't paid it back yet.

Finally, it is to find out how many assets the other party has and whether it has been transferred. The assets here are mainly houses, cars, time deposits, fund stocks and intellectual property rights.

After finding out, you can apply for freezing the other party's assets and then enforce them, so as to get your own money.

The surest way to lend money to others.

First of all, emotionally, of course, you should consider each other's character and repayment ability.

Find out what the other party borrowed money for. If it's a crime, don't borrow it, it's easy to become a criminal. Need to be reminded that many people like to borrow money to gamble, but it is easy to bring trouble to themselves.

Secondly, try to write IOUs instead of IOUs. (The reason is too complicated, so I won't explain it here. ) The time, amount in words and figures, interest, repayment time, ID card, signature and thumb print must be clearly written in the IOU.

Let the other party find a guarantor, sign and thumb print together, which is really not good. You have to find two witnesses to sign and thumb print the IOU together.

If you really have a lot of money, you can consider collateral, which is more secure.

Of course, in fact, the most troublesome thing is that it is difficult for friends to find the degree I mentioned. Many times, out of affection, they are even embarrassed to let each other write IOUs.

So you must understand the character of the borrower. If you are really not sure whether the other party will pay back the money, you should refuse.