There are too many such things around. What is the most effective way to ask people who owe money and don't pay it back?

For those who don't pay back the money, if you can find the borrower and take away the evidence of his non-repayment by recording, you can get decisive evidence and then take legal measures.

According to Article 64 of the Civil Procedure Law, the parties have the responsibility to provide evidence for their claims, so first of all, you should collect the relevant evidence of the money you lent to the other party in time. Another point is that when you lend money to others, you should write an IOU instead of an IOU. That's not what you mean at all.

If the other party maliciously owes money, the handling method is to obtain evidence and prepare to sue:

1, SMS-confirm the loan fact.

After borrowing money, if several verbal reminders are ineffective, you can let the other party admit the fact of borrowing money by SMS. Then save the other party's reply information. This is evidence.

2. Audio and video recording-the other party admits to borrowing money.

During the dunning period, call the other party several times and record the contents of the call as evidence.

3. Witness's testimony-confirming the loan amount.

When looking for a loan, did anyone see it? Did anyone provide witnesses and testimony?

Through the above evidence, provide it to the court for review. If the judge thinks that the submitted evidence, such as SMS, audio and video recordings, witness testimony, etc., comes from legal sources, the content conforms to objective facts, and the evidence is true and valid, then the other party must bear the responsibility of repayment and compensate other losses.