Advice 1: How to repay the debt without receipts

Hardly people are of sound mind and good memory, will take a large sum of money without a receipt unfamiliar face. Giving money to the debt, non-familiar or unfamiliar – and take the receipt. It should be written by the hand of the borrower, and ideally certified by a notary. If you have in debt without a receipt, then surely a close person and good friend. In this case, agree on a refund on good, explaining to the person that you are in a difficult financial situation. In most cases this is enough to return the debt.
Instruction
1
If the borrower does not delve into your problems and do not want to repay the debt, then, if you are afraid to spoil relations and friendship, to apply to the Department of internal Affairs. In a statement describe your situation. Specify when, where, who and how much you borrowed. You must give exact details of the borrower, his / her name, passport number, year and month of birth, and home address. Provide evidence of the loan. These can be witnesses, information from your relatives, proof that the money you had and the acquisitions of the borrower coinciding with the terms of the loan.
2
Your statement should be a criminal case on the borrower for fraud. If you were denied the institution of criminal proceedings – to take a certificate of refusal. After that, refer a statement to the court. The statement include all the information about the loan, their details and the borrower, taken action to refund the debt. Apply the facts and evidence and proof of refusal by the bodies of internal Affairs to open a criminal case.
3
After reviewing your petition the court will issue a decision on refund of duty.
4
Never attempt to recover a debt, using threats to the borrower. It's against the law. Back loans only, legitimate ways, if you do not want to be in the dock.

Advice 2: How to repay the debt on the receipt

There are hard times when you have to take the money borrowed from friends, relatives, acquaintances. You must comply with all the formalities in the execution of a receipt or contract, but it is also necessary to be careful when returning the borrowed amount. Failure to comply with certain rules may result in the fact that you have to pay twice.
Instruction
1
Prepare the transfer of money carefully, think about the little things. Please note that if you returned the debt, but not taken for some reason IOU, you become a slave of this paper, and the consequences can be very sad. If you do not require a receipt, so I fully trust your partner and are fully confident in his honesty.
2
Arrange a meeting with the lender in advance. Tell him the place and time and also don't forget to remind you to bring your receipt that you took money in debt. Invite one or two people as witnesses. They will be useful not only in the event of litigation in future (in case it goes badly), but for the protection of money, if we are talking about very large sums.
3
At the agreed time give the whole amount to the lender. The presence of these witnesses will be useful if someone in the future wants to challenge the fact of transfer of money or accuse you that you gave is not the full amount. Count the money in front of witnesses.
4
If you pass only part of the agreed amount, ask your partner a receipt in which he will indicate received from you the amount of money. Do not forget – the contract must be spelled out as your passport details and the lender, and should bear both signatures.
5
Demand from your lender, that he personally wrote ious, that doesn't matter to you any claims.
6
Be very careful if your opponent did not bring along your receipt and if you did not have at hand a reliable witness. Demand from the creditor a counter-receipt, which he will have to explain why did not bring the original contract and that the amount paid by you in full. Only when such a document will prove you have on hand, feel free to give your debt – now you have insurance in the case of dishonesty.
Note
Repayment of a debt on the receipt, which is a quite common and simple procedure, so it applies the provisions of the 122nd article of the Civil procedure code, which refers to the fact that such transactions committed in simple written form) can hold a writ proceeding.
Useful advice
The loan agreement between physical persons, as a rule, is made in the form of handwritten by the debtor of the debt receipts, which shall state the full name, passport data, address of the parties date of receipt by the debtor of funds (or things) that are directly amount of money or things, quantity, description, price (in words) place of transfer of money (or things).
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