第1个回答 2024-08-24
1. 采用和蔼的态度 initialy request repayment. When lending money, it's done out of goodwill. During the collection process, there's no need to adopt a superior attitude. It's essential to maintain friendship and communicate effectively, expressing one's own difficulties and subtly indicating the need for repayment. It's better to avoid escalating tensions unless necessary.
2. Gather evidence if necessary. If it becomes apparent that the borrower has no intention of repaying, start collecting relevant evidence methodically. This is not about being petty; it's about maintaining justice. You should ensure that those who fail to honor their debts face appropriate consequences. Save records of phone conversations and communication from messaging apps.
3. Preserve chat records as evidence. It's crucial to have documentation to support your claim of lending money. Chat records can establish the existence of a loan agreement. Typically, conversation about borrowing will include explicit terms like "lending" or "borrowing." Once these terms are present, the lending relationship is considered established. Don't underestimate the power of spoken words under the law; evidence should be presented accordingly. Therefore, after lending money, do not switch phones carelessly and risk losing important evidence.详情