What should Lao Lai do if he owes money? The most effective way.
(a) to solve through consultation.
Some debtors are not unwilling to pay back the money. If this is the case, they can solve it through consultation, fill in the IOUs in time and urge them to repay as soon as possible. If it can be settled through consultation, it will be settled through consultation. After all, peace is the most important thing.
(2) If negotiation fails, we can only take legal channels.
1, take a valid loan voucher, etc., and bring a lawsuit in the court of the debtor or the place where the loan is borrowed. If the loan contract stipulates the court of jurisdiction, you can bring a lawsuit in the agreed court.
2. Apply for property preservation. In order to prevent the debtor from transferring the property, you can apply for property preservation as soon as possible after filing the case. If you don't know if the other party has any property, you can apply to the court to check with the bank and the Housing Authority.
3. The stage of legal proceedings. This stage includes giving evidence, hearing, etc. The two parties conduct evidence, cross-examination and debate in court, and the court makes a judgment or mediation according to the trial situation, and mediation is carried out on the basis of the consent of both parties.
4. Apply for enforcement. This step is not necessary. If the two parties reached a mediation in the previous stage and have completed it, the legal procedure will be over. If the other party fails to pay the arrears according to the judgment after making the judgment, it can apply for enforcement. Enforce the auction of preserved property, limit high consumption, etc.
(3) What should I pay attention to when borrowing money?
1, the voucher must be kept intact.
Lend money to others, no matter what the relationship is, you should write an IOU. If the amount is large, both parties sign a loan contract, stipulating the repayment period of the loan amount, interest calculation and the consequences of default. Make an agreement in advance to avoid trouble later.
2. Remind the repayment before the repayment deadline comes.
If the repayment period is agreed, remind the debtor to repay before the repayment period comes, and it is best to leave written evidence, newsletter or written things. If there is no agreed repayment period, you can cut off the time to remind.
Legal basis: Article 3 of the Supreme People's Court's Provisions on Restricting High Consumption and Related Consumption of Executed Persons restricts the following high consumption:
(a) when taking the means of transportation, choose the second-class or above cabin of the plane, train soft berth and ship;
(two) high consumption in hotels, hotels, nightclubs, golf courses and other places above the star level;
(three) the purchase of real estate or new construction, expansion, high-grade decoration of housing. Rent high-end office buildings, hotels, apartments and other places to work.