How to collect debts from friends who don't want to pay
Have you ever lent money to a friend but when it was billed it was difficult to ask for forgiveness. Sometimes there are people who when borrowing money talk so sweetly that you feel sorry for them, but when they are billed they are even more fierce than you.
If you're confused about how to collect your money, here are the most powerful tips for collecting debts from friends who don't want to pay.
1. Bill directly and explain that you have an urgent need
Here is an example:
- "I really need money, my laptop is broken and needs to be serviced, I can't do my office work because of this. You promise to pay off debt this week, right? I'm waiting for the money on Friday."
2. Ask him to pawn his goods or pay off debts by bartering goods
Well, every time you collect debts, he always goes away. There is no money yet, it's okay even though the debt has not been paid for years. you must try this method, ask him:
- Are there any items that can be pawned?
- Or, just barter your cellphone here to pay off the debt.
3. Take advantage of payday moments
If your friend works in an office especially in the same office as you, take advantage of the payday moment. Collect the debt at lunch time. In this way, he can prioritize the allocation of his income to pay off debts first.
4. Let go
If you have done all the methods above but your friend still doesn't want to pay, especially if he runs away and blocks your WA, you should just say it. It might be hard to classify but it's better than getting annoyed with yourself and adding to the burden on your mind.
If something like this happens, just use it as a lesson to be more careful when borrowing money in the future.
5. Be critical when lending money
Indeed, your intentions are good: you want to help a friend who is in trouble, but make sure when you want to lend money ask two things first:
- What will the money be used for? I don't want you to borrow money, you know, it's only used for shopping or sightseeing
- His ability to pay, does he have income and will be able to pay for the forest?
- Well, if you know that he actually won't be able to pay, you should just give him as much money as you can. For example, if your friend borrows 1 million, just say that you only have 100 thousand and give the money as help, not debt, count it as charity. This method will not hurt you later.
- But if your financial condition is also dying, just say there is no money. It is important that you dare to say no!
Those were the 5 most effective ways to collect debt according to The Newbie's version, I hope it helps! Instead of having your friendship destroyed because of debt, it's better to borrow money at a bank or online loan that is safe and registered by the OJK like The Newbie'. Apply for your loan at The Newbie' now!
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