An effective way to recover debts

Legal analysis: 1, "humanity" debt collection law;

Accurately speaking, it is a debt collection method that debt collectors use psychological communication in interpersonal communication to create a harmonious atmosphere by establishing a certain relationship of trust, friendship and support with debtors, so as to achieve the purpose of debt collection.

2, "human" debt collection law

Specific methods: take the wife (or husband) route; Take the lover's route; Take the friend route; Take the kinship route; Take the customer route; Take the subordinate route.

3. "Power" debt collection law

It is usually an effective way to realize the creditor's right to enforce the debtor through the power of the creditor himself or the third party.

4, "short" debt collection law

That is, using the weakness or threat of the opponent, or taking drastic measures to force the other party to submit, to help creditors recover unpaid wages.

5, "entanglement" debt collection law

In order to repay the creditor's rights, the debt collector adopts the strategy of "soft grinding and hard foaming" to "pester" the debtor, which can be called entanglement debt collection law.

6. "Defamation" Debt Collection Law

When the debtor refuses to perform the debt, the creditor (or debt collector) forces the debtor in disguise by damaging the reputation of the other party. This method should pay attention to the problem of degree, otherwise it is easy to go to prison. )

7, "exposure" debt collection law

It refers to the method of exposing and criticizing those behaviors of evading debts with serious circumstances and extremely bad consequences through newspapers, radio, television and other news media, so as to achieve the purpose of debt collection.

8, "sophistry" debt collection law

Debt collectors should calmly analyze the problems of both sides, find out what is beneficial to them, and make excuses to put themselves in a favorable position.

9, "letters and telegrams" debt collection law

It means that creditors can recover and pay off debts by sending letters, telegrams, faxes or telephone calls to debtors. Part of the creditor-debtor relationship is clear and controversial or uncontroversial; The amount of creditor's rights is not large, and the debtor has the ability to repay; It's far away and the traffic is inconvenient, or there are many debtors and they are scattered.

10, "subrogation" debt collection method

Attention should be paid to the application of this law: the transfer of creditor's rights must be approved by the debtor, and no profit can be made; We should fully consider the size of the two creditor's rights; The feasibility of subrogation should be considered;

1 1, Limitation of Action, Debt Collection Law

For debt collection matters with clear debt relationship, clear facts, sufficient evidence and the limitation of action has not expired, you can "salute" first and then "soldier"; Pay attention to the application of "suspension of limitation of action"; When the limitation of action is about to expire, if the creditor fails to exercise his rights in time due to subjective and objective reasons, he can take corresponding measures to interrupt the limitation of action and turn passive into active; Correct application of "extension of limitation of action"; Find another way to achieve the correct requirements.

12, "execute first" debt collection law

The specific conditions for applying "prior execution" are as follows: the rights and obligations between the parties are clear; Failure to implement it first will seriously affect the life or production and operation of the obligee; The respondent has the ability to fulfill its obligations in advance.

Legal basis: Provisions of the Supreme People's Court on Several Issues Concerning the Application of the Limitation System in the Trial of Civil Cases.

Article 1 A party may file a defense of limitation of action against a claim for creditor's rights, but the people's court shall not support the defense of limitation of action against the following claims for creditor's rights:

(a) the right to pay the principal and interest of the deposit;

(two) the right to claim the principal and interest of treasury bonds, financial bonds and corporate bonds issued to unspecified objects;

(3) the right to claim capital contribution arising from the investment relationship;

(4) Other claims for which the limitation of action is not applicable according to law.