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Question 079
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night_train_to_memph... | What can someone legally, ethically, and politely do to encourage someone else to pay back borrowed money? |
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Cat Lady
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Did you have a written agreement when you loaned the money? Were there witnesses who saw the transaction and heard the terms?
If not, you can ask for the money, but you have no legal leg to stand on, insofar as collection. You might tell them you would like a certain amount each week, (or whenever they get paid at work) and try to encourage them to pay it back that way, but for the most part, I would say you will probably end up writing it off.
I have loaned money on one occasion, I did draw up a Promissory Note in duplicate, and we both signed. I had a little trouble collecting, and I said, never again. (I did have legal recourse in Small Claims Court, since I did have a signed Promissory Note.)
I did collect the money, as I reminded them of the terms of the Note. |
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******' *****
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i know that this is sort of far fetched, but when you let them borrow money, you should make them sign a contract, and have witnesses present to verify that it was his or her signature. then, when u want ur money, go up to them hold up the contract and say that they agreed to give you the money, and if they don't go to a teacher, principal, etc, and say that they have had an integrity violation |
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moonsister_98
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First good luck on getting your money back. I watch Judge Judy all the time, you may have to sue. |
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julieandmat
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How much and what kind of cut will I get?
Just kidding.
It depends on the amount. When asking to be repaid, there's no real way to do it politely. When you risk an unsecured loan, you must be open to losing it all.
Legally, you can badger, cajole, make veiled threats, harass (to a certain degree) and leave notes that remind the borrower.
Ethically, it depends on your moral barometer. I prefer blackmail and extortion. Incriminating evidence of an affair, running up a gambling debt, photos in a compromising position can be very effective.
If you're not up to that, greasing the doorknobs, putting a dead fish in a hot place for them to discover after it's putrefied or something else harmless but devious. |
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nick
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I would let it go for about a week then if they didn't return the cash say "I was wondering when you were going to pay me my money back?" they probobly will give it back. (they might of forgot) |
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mguardian_north
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This is why you don't do business with family & friends. Trying to collect could end your relationship. But like others suggested, you should've signed a contract. If not having the money isn't causing you hardship, just let it go. And don't lend them any more. Maybe they'll pay you back some day; maybe they won't. But you won't create hard feelings. |
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tuminator30
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Take a lead pipe to one knee,then say please. |
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MISS SEXXY
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Ask the borrower for a loan? ? ? |
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dradra99
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This is tricky and most times it depends on whom you lent the money to. If it is a friend or family (The most likely situation) you should pull the person to the side, privately, and say "Do you remember that money I lent you? When am I going to get it back" If done in privately most times they won't become defensive and either will pay you or give you some excuse. It doesn't hurt to remind the person that when they asked you came through for them. |
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nsimeone2000
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I had this issue the other day, I loaned someone some money, and after a year went by, I told them that they have had an interest free loan for a year. I want my money back. If you know their financial situation and know they have the money, ask them for something for collateral, video game systems/computers work like a charm. After you receive this collateral (if you got it) wait a month, then threaten to sell it, typically you will get your money back sooner than you expected.
I guess this is kind of extortion but it worked for me.
If you can't get collateral, and know they don't have any money, you can simply recommend a second job, or help them find a better one, I imagine its a friend or something so yea.
Anyway good luck with that, sometime being a jerk works really well too. |
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Mrs. Moltisanti
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do not call Tony Soprano! |
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blueskieznsunshine
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to be completely honest... nothing. You cant get blood from a stone. you could always take them to court but is it really worth it after legal fees and such? |
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T h
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Depends How Much I suppose, 1 to 10 Dollars, Let it Go, 11 to 100 Dollars, Let it go, 100 to 1000 Dollars, Take something away from him that is equal in value with him agreeing, 1000 to 10000, If it is legal, take him to Court, 10000 and above Get a Good Lawyer and if it is not legal what you did ( Sorry, this is Yahoo I can not say what I want to say). Cops will be at my door Steps. |
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Doc
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Hire me..........give me half of what they owe you.
I promise I'll get it. |
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Pamela B
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Consult an attorney if they think you have a strong enough case to continue you can also recover all your expenses. |
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