What if relatives and friends borrow money and don't pay it back?

That is, collect all the credentials related to borrowing money, including IOUs, bank transfer list, SMS, WeChat, e-mail, general recall, etc. When collecting the total memories, we should identify both parties, and guide them to tell the specific loan date and amount, interest agreement and other information when the other party is unprepared.

2 prompt reminder.

When the agreed repayment date arrives, we should urge it in time. Attitude should be neither supercilious nor supercilious. If you fail once, you will fail twice. If you fail twice, you will fail three times. Let the other person see your patience and perseverance.

3 Apply pressure.

If the other party refuses to repay the account, inform his family, relatives, friends and unit leaders orally or by SMS or telephone. Through the pressure of a third party, the price of letting the other party consider not paying back the money is the destruction of his reputation. This is a lot of pressure. If all the above methods don't work, prove that the other person is psychologically ready to die with you, and you should be prepared for a fierce battle. But one thing should not be done: I will never turn my face first. Once I turn my face, you are what the other person wants.

4 Decisive prosecution.

If the above methods still fail, we must strike while the iron is hot and prosecute decisively. You can consult a lawyer or entrust a lawyer to represent you. With the help of judicial enforcement, the possibility of the other party paying back the money is greatly increased. If the other party has property, the court can enforce its property to repay the debt, and if it does not repay in bad faith, it can take judicial seizure; If the other party has no property, the court can blacklist him, and he can't get loans, credit cards, high-speed trains, airplanes, or stay in high-end hotels. With the further improvement of the legal system, the punishment for faithless people will be more severe.