1. Clarify creditor's rights and retain evidence
First of all, you need to be clear about your claims and make sure that the facts of the loan are clear and unambiguous. When borrowing, it is best to sign a loan contract that clarifies key information such as the amount of the loan, the repayment period, etc. At the same time, it is important to keep relevant evidence, such as transfer records, chat records, etc., so that you can provide evidence support in case of disputes.
2. Friendly communication and negotiation solutions
When you find that the other party owes money and does not pay it, you can first try to communicate with the other party amicably. Understand why the other person is unable to make payments on time and try to negotiate a mutually acceptable repayment plan. In the process of communication, stay calm and rational, and value harmony.
3. Mediation with the help of a third party
If the communication between the two parties fails, you may consider seeking help from a third party. For example, a professional mediation agency or lawyer can be invited to intervene to assist both parties in mediation. The intervention of a third party can often analyze the problem more objectively and propose a reasonable solution.
Fourth, legal means to protect rights
When negotiation and mediation fail to resolve the issue, you may consider taking legal action to protect your rights. First, you can file a civil lawsuit in court to demand that the other party fulfill its repayment obligations. During this process, you will need to provide sufficient evidence to prove your claim. If the court orders the other party to repay the loan, but the other party still does not enforce it, you can apply for enforcement, and the court will take compulsory measures to make the other party comply with the judgment.
5. Preventive measures to avoid disputes
In addition to the above solutions, we should also focus on preventive measures to avoid the occurrence of debt disputes as much as possible. Before borrowing, it is necessary to fully understand the credit status of the borrower and choose the borrower carefully. At the same time, a standardized loan contract is signed to clarify the rights and obligations of both parties. In the process of borrowing, maintain good communication with the borrower and pay attention to the repayment of the other party in a timely manner.
In short, in the face of non-payment of money owed, we should remain calm and rational, and solve the problem through friendly communication, negotiation, mediation or legal means. At the same time, pay attention to preventive measures to avoid the occurrence of disputes. Hope the above can be helpful to you.