How to send text messages and owe money

I. When sending dunning information to the debtor, the following points should be noted:

1. The debt of the other party shall be indicated as due or about to expire, and the specific repayment time shall be clearly indicated.

2. If the other party fails to repay the loan on time, it shall inform the other party of the liability for breach of contract again.

3. Try not to use insulting and threatening words to avoid other disputes with the other party.

4. The parties can also inform the other party of their difficulties, hoping that the other party will repay as soon as possible to solve the urgent need.

Second, what problems should be paid attention to in debt collection?

Before debt collection, we should carefully understand the debtor's situation, collect information and materials, and determine the methods and strategies for debt collection on the basis of consulting consultants and experts.

1, to prevent debt evasion in debt collection.

In order to avoid debt, the debtor may have the following situations:

(1) When an enterprise is merged, closed down or cancelled, the legal representative is replaced, and the new person in charge is unaware of the previous situation and shirks;

(2) The debtor remits funds into an opened account, secret account or other unit, which is difficult to find and freeze;

(3) The debtor intends to transfer or dispose of the goods and substitute them with consignment goods, which is difficult to pay off the debts;

(4) Private storage of public funds, private use of public property, and frequent change of business premises;

(5) The enterprise is closed without liquidation;

(6) Virtual registered capital, virtual investment subject.

2. Pay attention to skills and strategies

Before debt collection, we should carefully understand the debtor's situation, collect information and materials, and determine the methods and strategies for debt collection on the basis of consulting consultants and experts. In debt collection, you should be eloquent and aggressive, be good at grasping the other side's handle, attack the other side's weak links, and take it by surprise to win. For debtors with different personalities, different strategies are adopted, such as "being tough", adopting silence strategy and combining soft and hard strategy; For the "stubborn" type, tentative strategy and precedent strategy can be adopted.

3. Make full use of emotion, reason, benefit and law.

"Feelings": With the friendship accumulated over the years, as long as it is an unspeakable sadness, the other party will not ignore it. "Make it clear with reason": make it clear with reason, make it clear with interest, and convince people with reason. "Benefit from profit": giving customers a certain profit on the basis of facts, preserving the capital and abandoning the tail, may arouse the enthusiasm of customers for effective payment. "resort to law": at the end of my rope, I have no choice but to resort to law.

Legal basis:

People's Republic of China (PRC) Civil Code

Article 577 Where a party fails to perform its contractual obligations or fails to perform its contractual obligations in conformity with the contract, it shall be liable for breach of contract such as continuing to perform, taking remedial measures or compensating for losses.

Article 578 Where a party expressly expresses or shows by his own behavior that he will not perform his contractual obligations, the other party may require him to bear the liability for breach of contract before the time limit for performance expires.

Article 585 The parties may agree that one party shall pay a certain amount of liquidated damages to the other party for breach of contract, or may agree on the calculation method of the amount of compensation for losses caused by breach of contract.

If the agreed liquidated damages are lower than the losses caused, the people's court or arbitration institution may increase the liquidated damages at the request of the parties; If the agreed liquidated damages are excessively higher than the losses caused, the people's court or arbitration institution may appropriately reduce them at the request of the parties.

If the parties concerned pay liquidated damages for delayed performance, the breaching party shall also perform the debt after paying the liquidated damages.