1. Negotiate with the debtor: repayment can be negotiated with the debtor. You can ask the debtor for repayment, explain the difficult situation, and see if you can reach an agreement on installment repayment or deferred repayment;

2. Send a lawyer's letter: If negotiation fails, consider sending a lawyer's letter. Lawyer's letter is a kind of legal document, which can recover the arrears through legal channels;

3. Bring a lawsuit: If the above methods are ineffective, you can consider bringing a lawsuit to the court. Before filing a lawsuit, you need to prepare relevant evidence and submit a complaint to the court. After the trial, the court will make a judgment.

1. Know about the debtor: Before you ask to open an account, you need to know about the debtor, including its name, address and contact information. This helps to determine the ways and strategies of collecting accounts;

2. Choose the right way: There are many ways to collect accounts, including face-to-face communication, sending a lawyer's letter, and using a third-party collection agency. According to the debtor's situation, choose the appropriate debt collection method;

3. Keep relevant evidence: In the process of collecting accounts, you need to keep relevant evidence, including contracts, invoices, chat records, text messages, etc.

4. Pay attention to skills and strategies: in the process of collecting accounts, you need to pay attention to skills and strategies, such as paying attention to language expression, not being too tough or fierce, being good at grasping the other party's handle, attacking its weak links, and winning by surprise;

5. Protect your legitimate rights and interests: In the process of debt collection, you need to protect your legitimate rights and interests. For example, don't easily agree to the repayment request of the other party, and make sure that you have enough evidence and reasons to support your request;

Abide by laws and regulations: in the process of asking for an account, you need to abide by laws and regulations, for example, you can't use violence, threats and other means to ask for an account, otherwise you may be suspected of violating the law and committing crimes.

To sum up, debt is still an illegal act, which may have a negative impact on credit records. When dealing with this kind of problem, it is suggested to try to settle the problem through negotiation with the debtor.

Legal basis:

Article 679 of the Civil Code of People's Republic of China (PRC)

A loan contract between natural persons shall be established when the lender provides the loan.

Article six hundred and eighty

It is forbidden to lend at high interest rate, and the lending rate shall not violate the relevant provisions of the state. If there is no agreement on the payment of interest in the loan contract, it shall be deemed that there is no interest. If the loan contract does not specify the payment method of interest, and the parties cannot reach a supplementary agreement, the interest shall be determined according to the local or the parties' trading methods, trading habits, market interest rates and other factors; Loans between natural persons are regarded as interest-free.