The trick to deal with Lao Lai's failure to pay back the money is that the law is closely related to our daily life and everyone should abide by it. Litigation is also one of the legal issues that we hear and contact more in our life. The following trick is to deal with Lao Lai's failure to pay back the money.
How to deal with Lao Lai's failure to pay back the money 1 First of all, publish Lao Lai's photos and make him feel ashamed.
In the crowded square, rent an LED screen, and broadcast Lao Lai's name, age, ID number, home address, and debt situation 24 hours a day. It can make Lao Lai feel ashamed and achieve the purpose of paying back the money. Many courts do this, which is not an invasion of personal privacy. After all, it's not illegal to be in debt. Announcing Lao Lai's information is like issuing a "wanted order", and the masses have the right to know.
Second, pinhole tape recorder to record barbarism.
Some experienced old lai, in the face of debt collectors, even take the way of humiliating first and then beating, with the aim of angering debt collectors and forcing them to start work. Then, he can call the police and ask the police to deal with the debt collector in the name of beating and detention. In view of this situation, you can buy a pinhole tape recorder to record Lao Lai's barbaric and rude behavior, then turn the customer over and hand it over to the police for handling, and detain him for a few days on the charge of making trouble. You can also send the video online, and Lao Lai's debt is not so arrogant, which will cause public outrage and everyone will be punished.
Third, infinite tracking method, soft foam and hard grinding.
Now the technology is advanced, you can buy a small and exquisite GPS locator and secretly install it under Lao Lai's car, install a monitoring probe at his door or use a mobile phone locator to track Lao Lai's whereabouts for 24 hours. Anyway, as long as you don't break into private houses, hotels and other secret residences, it's not illegal.
When he went out to a public place, you went up and said with a cheeky smile, "Boss, you still have money to be clever and take me to play." When he is shopping, you accompany him to shop, remember to put it on his account, when he is entertaining, you accompany him to entertain and stay with him forever. The method of hard grinding with soft foam seems to be the most primitive and stupid, but it often works wonders. An old lai with a debt of 5 million can't stand it in a few days.
Fourth, tell the interpersonal circle about the Lao Lai scandal.
If you can't collect debts from Lao Lai, you can bypass the policy and announce the scandal of Lao Lai's debts to his interpersonal circle. It is estimated that Lao Lai will betray his relatives and friends, affect the business and work he is talking about, and pay back the money even if he is humiliated. Of course, if Lao Lai's close friends and die-hard friends know about it, they will definitely not treat him coldly and will try their best to help him or persuade him to pay back the money. Sometimes the evil of the debt collection company can't move their minds, but as soon as an acquaintance intervenes, Lao Lai completely puts down his resistance.
Five, debt collection infernal affairs, exposing hidden property.
Many old lai likes to cry poor, but they don't know that there are many properties hidden under them. In this case, you can send an undercover to him, preferably one who is proficient in financial investment, to gain his trust. Or you can buy someone around Lao Lai and let him be your eyes, as long as you can afford irresistible conditions and believe that the other lover can also buy it. In this way, you can master its property trends step by step, and then Lao Lai will cry again, and you will take the opportunity to throw out the "killer". You can also apply to the court for compulsory execution, seizure or freezing of its property.
Sixth, lust, for the time being.
If Lao Lai really has no money to pay back, there is nothing to sell underneath. If the debt collector is still pressing hard, it may backfire, leading to the last straw that crushed his life, which will never return. Debt collectors might as well indulge their passion and try to recuperate and make money. Debt collectors have a good job or a good way to start a business, and they can offset their debts with labor.
Seven, the ultimate killer, find a professional.
If the debt collector is inexperienced and Lao Lai is so cunning, it is better to ask for help from professionals. After all, debt collection companies still specialize in the industry, and professionals do better. Shenzhen Xiang Jun Debt Collection Company is experienced, law-abiding, and has many negotiators and legal advisers, which have helped many creditors recover their hard-earned money.
How to deal with Lao Lai's failure to pay back the money. What if I don't pay back the money? Teach you five tricks to get your money back.
The first step: privately communicate with the defaulter about repaying the loan.
First of all, you can communicate by phone or even face-to-face with the specific repayment time. If you don't repay after the agreed repayment time, the deadbeat always has something to say. It is estimated that most people have achieved this, but the effect is often not very good. People who really pay attention to credit will generally pay back before the appointed time as long as the lender reminds them a little, or even pay back before the appointed time without reminding them at all. In fact, after all, most people pay attention to credit, and disgusting deadbeats are a minority.
Step 2: Ask the deadbeat's close friend for help.
This trick is often quite useful. When you can't contact directly, you can try to find friends or close relatives who have a good relationship with the deadbeat and kindly remind them that it's time to pay back the money. Some deadbeat people are afraid of losing face in front of relatives and friends. Maybe they will. If you continue to be malicious, use the next step.
For the vast majority of people, generally these two steps will pay back the money, and these two steps will not pay back the money. It is not too much to define it as default!
The third step: expose his borrowing money and malicious breach of contract in the circle of friends and relatives.
There are many circles. If you are a classmate, you can expose his default behavior in the QQ group and WeChat group of former classmates. If you are a relative, you can expose the true face of deadbeats in the family community. However, before exposure, it is best to say hello to the violator in advance. If you continue to slander, it is not too late to expose it. This move is actually enough for most people, because most people's credit is a blank sheet of paper, which is very clean. Once exposed like this, many people still can't bear the pressure.
Of course, this move is not good for the general public, but collecting money is what people really do, depending on whether you want money or your own face. In fact, it is only natural to pay off debts and get your money back. There is nothing to be ashamed of. If I can't get my money back, I will bargain with my sick grandmother in the vegetable market every day for a few cents of cabbage. Do you have any face?
If the third step has been reached, there is no need to worry about any face problem. It is entirely the relationship between creditors and debtors.
Step 4: Send a lawyer's letter.
Before sending a lawyer's letter, even before taking the third step, we must find out the financial situation of the deadbeat's family, whether they have a house, a car, deposits and other assets, whether they have a stable job, how much they earn each month, and the income of family members. This is equivalent to a rough look at the repayment ability of the deadbeat. If the defaulter's family is poor and has no financial resources, there is no need to do the third or even the fourth step, because he has no money to pay back.
It takes time and energy to do these things by yourself. Those who have money and maliciously default on their debts will be resolutely exposed, and then a lawyer will be asked to send a lawyer's letter. Generally speaking, after these collection steps, most ordinary people will pay back the money after receiving the lawyer's letter. Many people are still afraid of going to court, especially the rich, because most of us ordinary people have never been to court.
Step 5: Go through court procedures.
It's no use sending a lawyer's letter. You can only sue this deadbeat. Once a lawsuit is filed, the court will freeze the assets of the defaulter. You can look at the legal proceedings taken by many car loan platforms when they file lawsuits with borrowers. In fact, many borrowers settle privately with the platform, and then the platform withdraws the lawsuit. What everyone thinks more is why the platform dropped the lawsuit. The general borrower will pay back the money and then the platform will withdraw the lawsuit.
Even in the first five steps, the lender and the defaulter can solve the creditor-debtor relationship through private reconciliation. Whether it is negotiation, exposure, lawyer's letter or litigation, the purpose is to get the money back. If we can get the money back, there is no need to leave. Really go to the court for a formal verdict and send the defaulter to the credit blacklist. In fact, it has no practical significance for lenders, and it is more of a psychological pleasure.
If it is really time to stop worrying about the face of relatives and friends, you can try to use the above five-step method, but the best way is to do it step by step. Don't just take the first step, take the fifth step. This is too extreme for deadbeats to accept.
Before the next step, say hello to the deadbeat in advance, so that the deadbeat can see the content of your greeting to him step by step, which is also a great pressure in itself. It is not advisable to sue him or find someone outside to collect money. Often haste makes waste, ordinary investors still try to take the conventional way to ask for money.
However, some deadbeats are the closest relatives in the family, such as their brothers or brothers-in-law. In this case, we must be cautious and consider whether family harmony is more important or money is more important. Don't let family conflicts rise sharply for that little money, which is not worth the candle. We must weigh the weight between money and feelings. If the closest relatives break the contract, they can learn a lesson, and the harmony and stability of the family is fundamental.
Finally, when it comes to lending money to relatives and friends, it hurts to talk about too little money. If there is too much money, be sure to find out the borrower's borrowing purpose and repayment ability before lending, and keep the loan voucher. Borrow money to pay off debts, eat, drink, gamble, and don't talk; If you borrow money to go to school, or repair a house at home, or go to town to buy a house you just need, or if you are seriously ill and need hospitalization expenses, you can borrow money according to your own ability as long as you verify it clearly.
We must insist on people who have cars, houses and stable jobs, whose children go to famous schools, wear famous brands and travel, eat, drink and have fun everywhere. In this case, don't worry about face any more. Getting the money back is the last word.
How to deal with Lao Lai's failure to pay back the money. The cruelest way to ask for money is not illegal.
1. Apply for a payment order and ask the court to urge the other party to repay. The cost is very low and the speed is the fastest.
Payment order is a legal document issued by the people's court to the debtor to pay money or securities within a time limit according to the supervision procedure stipulated in the Civil Procedure Law and the application of creditors. This way of debt collection can obtain the support of the people's court for creditors without prosecution; Moreover, in this procedure, the court does not examine the disputes between the two parties, which has a short time limit and is compulsory.
That is, the creditor only needs to provide clear and legal evidence of the creditor-debtor relationship between the two parties, and the court will issue a payment order to the debtor within 15 days from the date of acceptance; The debtor must pay off the debt to the creditor within 15 days from the date of receiving the payment order, or file a written objection with the people's court; If the debtor fails to raise an objection and fulfill the payment order within the time limit, the creditor may apply to the people's court for enforcement.
Second, apply for pre-litigation property preservation, forcing the other party to take the initiative to settle.
Pre-litigation property preservation, also known as pre-litigation preservation, means that an interested party may apply to the people's court where the preserved property is located, the people's court where the respondent is domiciled, or the people's court with jurisdiction over the case to take preservation measures, including sealing up, distraining, freezing or other means prescribed by law.
By applying for pre-litigation property preservation, the creditor can prevent the debtor from transferring property in order to avoid debts, and provide effective guarantee for the implementation of subsequent judgments and orders; You can also force the debtor to take the initiative to settle and recover the debt in a short time.
For example, if the creditor applies to the court to freeze the debtor's company account or main account, it will cause inconvenience to the debtor's production, life and operation to a certain extent. At this point, the debtor is likely to take the initiative to contact the creditor and propose a private settlement with the creditor. If the two parties still cannot reach an agreement in the process of reconciliation, the creditor may bring a lawsuit to the court or apply for arbitration according to the arbitration agreement between the two parties.
Note: Pre-litigation property preservation is not a necessary procedure for prosecution or arbitration, but in order to prevent the debtor from transferring the property, it is suggested that the creditor apply for preservation after mastering the property status.
Three, filed a civil lawsuit, requesting the court to decide or mediate according to law.
Civil litigation refers to all kinds of litigation activities carried out by the people's court, the parties and other participants in the trial of civil cases, and the sum of all kinds of relationships arising from these activities. For some complex debt disputes that are difficult for the other party to handle or solve, creditors can choose litigation procedures to solve the disputes, because the court's handling of debt disputes is compulsory.
That is, if the debtor fails to perform the repayment obligation, the parties may directly bring a lawsuit to the court, requesting the court to judge the debtor to perform the repayment obligation according to law or help the two parties to mediate. Where an application for property preservation is filed before litigation, the creditor shall file a lawsuit within 30 days after the court takes preservation measures; If no lawsuit is filed within the above-mentioned time limit, the court will lift the preservation and the creditor will face the risk of the debtor's transfer of property.
Four, according to the arbitration agreement, request the arbitration institution to make an award according to law.
Arbitration refers to the system that both parties voluntarily submit their disputes to an arbitration tribunal composed of arbitrators from non-judicial institutions for arbitration according to the arbitration agreement reached before, and are bound by arbitration. Arbitration activities, like the trial activities of the people's courts, are related to the substantive rights and interests of the parties and are one of the ways to solve civil disputes. The arbitration result has strong execution, which is conducive to the rapid settlement of debt disputes between the parties.
That is, on the premise that there is a valid arbitration agreement between the creditor and the debtor, if the debtor fails to perform the repayment obligation, the creditor may apply to the arbitration institution agreed by both parties for arbitration. Where property preservation has been applied before, the creditor shall apply to an arbitration institution for arbitration within 30 days after the court takes preservation measures; If the court fails to apply for arbitration within the above-mentioned time limit, the court will lift the preservation and the creditor will face the risk of the debtor's transfer of property.
Five, part of the expenses, you can apply to the court for enforcement.
First execution refers to the procedure that after the people's court accepts a case and before the final judgment is made, according to the application of one party, it orders the other party to pay a certain amount of money or other property to the applicant, or to implement or stop a certain behavior and immediately execute it.
Its scope mainly includes:
(a) recourse alimony, maintenance, nursing, pension and medical expenses;
(2) recourse for labor remuneration;
(three) due to emergency need to be executed first.
The condition to be met are as follows:
(a) the facts between the parties are basically clear, and the relationship between rights and obligations is clear, and the failure to implement it first will seriously affect the applicant's life or production and operation;
(two) the applicant has an urgent need to realize the rights, that is, the applicant will encounter great difficulties in his life or production if he does not realize the relevant rights in advance;
(three) the parties have applied to the people's court, and the claim of the case belongs to the lawsuit of payment;
(4) The respondent has the ability to perform.
6. The debtor who applies for court enforcement.
Application for enforcement refers to legal documents in force, such as civil judgments, conciliation statements, arbitration awards, payment orders, etc. If one party enjoys rights and the other party refuses to perform its obligations, it may apply to the people's court for compulsory execution.
That is, if the debtor fails to perform the repayment obligations specified in the payment order, effective judgment, conciliation statement or award, the creditor may also apply to the people's court with jurisdiction for execution and recover the arrears.
Seven, apply for dishonest Internet access. Restrict high consumption.
8. The person subjected to execution applies for bankruptcy liquidation. Where a limited liability company fails to conduct liquidation, the shareholders shall bear joint and several liabilities according to law.