When you borrow money, you are a grandson, and when you pay back money, you are a grandfather! ?

It is said that "it is not difficult to borrow again", but not many people are willing to pay back the money now. Many borrowers delay or refuse to pay back the money in various ways. We divide them into three types according to their characteristics.

▲ "Please give me my money back quickly ..."

▲ "Eat first, then wash your feet, and then talk about paying back the money after the massage."

▲ This is a conversation on the Internet that mocks the two sides who have the relationship of borrowing money now. Just like some creditors said, "Now grandpa borrows money and grandson wants money."

Relatives borrowed 30 thousand and asked for money when it was due.

Mr. Li said: In June 2006, my second aunt's second son-in-law Wang borrowed 30,000 yuan from my old father. As he is a relative, we lent it to him without saying anything. Who knows, in July last year, the money on the loan should be paid back, but Wang didn't mean to pay it back at all.

My family thought, even if he is a relative, he can't run away. Maybe he really had difficulties, so he never mentioned it. However, last February, my father suffered from esophageal cancer and needed major surgery. Wang Yizhi is indifferent and has never even been to the hospital. The night before the operation, we had no choice but to go to his house to ask for it. He didn't come back until after 8 o'clock, saying that he had friends who could bring money after 10. Waiting and waiting, my friend 1 1 didn't come. Wang said that he would send the money to the hospital early the next morning.

Don't even think about it I haven't seen him since the operation. In this way, whenever we ask for money, Wang Can can always find all kinds of excuses that he thinks are reasonable. He has to do projects today and invest tomorrow, and every time he looks miserable, people can't help being angry.

Last time, my mother broke her hand and deliberately went to his house to ask for money. Who knows that they are indifferent, as if we borrowed his money, which really makes our family very angry! Now that his wife is going to have a baby, the family is in urgent need of money, and Wang is still pushing from pillar to post. Every time he asked, he said, "I will definitely pay back the money." I will definitely give it when my hand is loose. " But we can't live with such a promise, can we?

"I didn't know when I lent money to my son-in-law. Now I will think of me when I ask for money." Mr. Li's second aunt, Ms. Li, said that since it is a loan agreement between them, they should solve it themselves. At the same time, she said that the son-in-law has no job now and is trying to sublet the farmhouse and pour some money. "If he has it, he will definitely pay it back, and he will not rely on it."

1No. "Lao Lai" made a backward rake.

The 26-year-old Xiao Zhang adheres to the principle of "saving the poor, not saving the poor". This time, he saved others but was anxious about himself. Last June, 1 1, a colleague said that 1000 yuan was urgently needed to take his family to see a doctor. Xiao Zhang took out 1000 yuan without hesitation and handed it over. "I'll pay it back when I get paid next month." Leaving this sentence behind, my colleague left the office in a hurry. After meeting the next day, the other party said many words of thanks, which made Xiao Zhang happy for a while. It can be said that one month's repayment date has passed, but the other party doesn't mention repayment at all.

In order not to lose face, Xiao Zhang thought of many ways. "I sometimes tell him in front of him and other colleagues that I am short of money recently and want to remind him to lend me money. Or are you just asking about your family's illness? How have you been recently? " But the other party answered him, but still didn't mention paying back the money. Helpless Xiao Zhang tore his face and asked the other party for money. I didn't expect the other party to drop a few words of "malicious words" while paying back the money: who is so stingy, just borrow some money, so eager to ask for it, can it be handled in the future? "I almost vomited blood." Angry Xiao Zhang came to the office with money, told everyone about it, and reminded everyone that such people should never borrow money in the future, and the relationship between the two broke down.

No.2 "Lao Lai" dead mice don't feel cold

If 1 still cares about face and has a way to deal with it, then No.2 is "Lao Lai" to some extent.

Yang, 32, lent his friend 654.38+10,000 yuan to do business, saying that he would pay it back after one year. When the repayment period is up, the other party has been shirking the money. In order to get the money, Yang made various tricks: "At first, I asked for money, but he said no; Later, I asked him kindly, but he still said no; Finally, I threatened him with malicious words, and people still saidno. " In order to ask for money, Yang first invited the other person to eat and wash his feet. After it was useless, he found some friends to pretend to be social idlers to scare each other, but it was still useless. "This man is a dead mouse. He has nothing to fear. My money has not been returned. "

No.3 "Lao Lai" plays Tai Chi.

From June 5th, 2003 to October, 2003, the RMB 20,000 lent to me by Xiao Wei has never been recovered.

In July 2005, six months after the loan term, Xiao Wei asked for money for the first time: "Xiao Huang, my family is a little nervous recently ..." Xiao Huang replied simply: "Brother, the stock market is so good recently, it is actually ok to withdraw the money, but we will lose a lot." When Xiao Huang said this, Xiao Wei suddenly lost his temper and went home.

In February 2006, I paid for the second time: "Brother, how are things at home recently?". The old man has high blood pressure and the old lady has asthma. I am too busy. " Xiao Wei still hasn't got his money back.

On June 5438+ 10, 2006, the third sum of money: "Give me the money anyway this time, and my wife will make a scene at home." I thought moving out of my daughter-in-law would scare each other. Who knows, Xiao Huang's Taiji Kung Fu is inscrutable: "Hey, sister-in-law is teasing you, you must have saved money?" Put the money here to reassure her. Come on, I'll give her a call. "When the phone is dialed, Xiao Wei's lover is thinner than his face. He was dizzy by Huang Xiaokan for three transgressions and two times, and even postponed the repayment period for three years ... Xiao Wei sighed and said, "I have to learn a Tathagata's palm to deal with him. Tai Chi Chuan! "

See the move: is there a clever way to deal with debt?

"It is natural to pay off debts." But there is such a person who borrows money from you but won't pay it back. What should I do? Xiao Shuai Xiao Cao found a few tricks for everyone to see if there are any that can help you get your money back:

The first trick: Fight poison with poison "Deal with a man as he deals with you." Make up a good reason, sweet talk, let the debtor go shopping for nothing, and ask him for money when he sees something he likes. You can borrow as much as the other party owes you, and you'd better add interest.

Move 2: barter replacement method

First of all, pay attention to the goods belonging to the debtor, and its value is better to be slightly greater than or equal to the money owed. Then find the best time, pretend that there is no motive, and "borrow" until the debtor pays off the debts owed. So it's not too late even if it's too late.

Move 3: Kill the chicken with a knife.

It is really impossible to directly deal with the "iron cock" in debt, so we can only kill the "chicken" with a knife. Find someone who knows the debtor well. Of course, this person must be someone you are familiar with. Then, complain about your current financial difficulties and list the debtors who occupy your money, so that the other party can come forward to collect debts from the debtors for you.

Move 4: the law of using legal weapons

Dealing with those "stumbling" debtors, maybe your best efforts are still ineffective. Then you can only use the last resort-resort to law.

Because the law emphasizes evidence, after all, it is empty talk. When there is an IOU in black and white, if the borrower fails to pay the arrears according to the IOU agreement, the law is the most powerful weapon against the above-mentioned debtors.