1. usury can be repaid.
Most people know that usury is not protected by law, so if you borrow usury, you only need to repay the principal and legitimate interest in most cases. If the lender is in a bad situation and violates the criminal law, it is not necessary to return it if it is caught. At the same time, I also remind my friends not to turn loans into usury for a little interest. Be careful that the principal and interest will be gone, and so will the wife.
2. Gambling, drug debt, etc. There is no need to repay.
These are also well-known things. If the other party borrows money and does something illegal, such as gambling or buying drugs, the debt is not protected by law. If he really wants to pay it back, you can't help it.
3. You don't have to pay back the beheading interest.
For example, if you borrow 654.38+00,000 yuan from the opposite direction, you have to withdraw some interest from it, that is, 2000 yuan. You deduct this 2,000 yuan from the principal of 654.38+00,000 yuan in advance and lend the remaining 8,000 yuan to the other party. Although you discussed this matter, the other party admitted that he borrowed 10000 yuan. However, according to the law, when the other party finally pays back the money, it can only pay 8,000 yuan, and then 2,000 yuan is unnecessary. The reason is that this 2000 is the beheading interest that you deducted in advance, which cannot be regarded as the principal.
Some debts owed by one spouse can be repaid by the other.
If the loan is not signed by both husband and wife at the time of borrowing, or it is not regarded as the same debt after borrowing, or if this person borrows for family life, then this debt cannot be regarded as the same debt of husband and wife, and the other party does not have to pay it back.
5. You don't have to pay back the money borrowed by others who steal your information.
With the development of the Internet, our personal information becomes transparent, and criminals can easily steal our personal information such as ID cards. If they borrow money everywhere with this information, you don't have to pay back the debt like this. If you really encounter it, you must call the police in time to avoid causing more losses.
6. A loan contract signed by deception or inducement shall not be repaid.
The routine loan that everyone often hears is to let others sign a loan contract through deception and inducement. The routine loan obviously only borrows a few thousand dollars, and finally doubles like a snowball. You have to pay back tens of thousands or more. If you really encounter this trap, you don't have to pay back the money.
7. If he really doesn't want to pay you back, he doesn't have to pay you back.
As we all know, the limitation of action for debts with repayment time is 3 years, and it can be extended to 20 years if there is no repayment time. The limitation of action for debt is the effect of our lawsuit.
Although he said he would pay the debt even after the statute of limitations expired, you can still ask for it. But if the other person is really an evil old lai, if he just refuses to pay back the money, you really can't do anything about him. Because the statute of limitations has expired, the court cannot accept it, which means that this debt is not protected by law. If the other party really cheated you, you can't take up legal weapons to protect your rights and interests.