In interpersonal interactions, borrowing is a common phenomenon. However, when the money lent out encounters an information black hole, that is, the borrower no longer returns messages, how do we deal with it effectively? The first thing is to stay calm and avoid emotional behavior, as panic often doesn't help.
It is essential to analyze the situation rationally. You should first try a variety of *** such as **, email, or social ** to confirm that the other person is really missing. At the same time, review the communication records and agreements at the time of borrowing, which may be strong evidence for follow-up.
If it is confirmed that the borrower has indeed lost contact, then legal means can be considered to resolve the issue. In China, a lawsuit can be filed in the people's court to demand the return of the loan. Before that, collect all relevant evidence, including transfer records, IOUs, communication records, etc., which are the key to protecting rights and interests in court.
The social credit system also provides us with some support. For example, China's credit information system records an individual's bad credit behavior, and once a borrower is blacklisted for evading debts, there are many restrictions, such as increased difficulty in obtaining loans and restrictions on travel.
It is advisable to sign a formal loan contract with the borrower before lending money, and specify the repayment date and liability for default. At the same time, for larger amounts of borrowing, it is better to transfer money through bank transfer so that there is a clear record of the flow of funds.
In the face of the loss of contact with the loaned money, we should take reasonable measures to protect our legitimate rights and interests from multiple angles. Whether it is through communication and negotiation or legal means, it is necessary to adhere to rationality and patience, and finally let the problem be properly resolved.