How to return debt on receipt

Each person, taking money to even close relatives, cannot be confident in the full and timely return of the loan. As guarantees, legislation provides for some options for providing private payments, among which - a deposit, a debt, a loan agreement. All of them represent a written document, which indicates the actual transmission of a certain amount from one subject to another on a loan.

Debt detection is a simplified form of a loan agreement. It is a document written by hand, the text of which includes the passport details of both parties, the amount and terms of the loan. Debt detection is an official confirmation of a loan agreement in accordance with the Civil Code of the Russian Federation.

If the return periods were not specified in the text of the receipt, but the lender had a need to return money, then it is necessary to send a notice compiled in writing in which the deadlines must be indicated.

If the notification requirements were not fulfilled on time, then the lender has the right and all reasons for submitting a claim to court. The limitation period that allows us to go to court to recover the debt on receipt is 3 years. The necessary documents for consideration of the case in court: the statement of claim, a copy of the receipt and notification, the receipt of the payment of state duty.

The court makes a decision in the form of a judicial order for the recovery of debt by bailiffs. The amount of the claim may contain not only direct debt, but also the costs of the lender to the trial, a fine for delay and others, which must be confirmed by documented.

The main guarantee of satisfaction of the claim is the correctly compiled receipt, which must be written by the borrower itself, so that, if necessary, it was possible to conduct a judicial examination of the handwriting. The assurance of this document notary is not mandatory. Clearance must contain the following information:

passport details of the lender and the borrower, including the place of registration and the place of actual residence;
date, time and place of receipt;
the amount and currency of the loan is prescribed by numbers and in words;
the date to return the debt (optional item);
interest by agreement of both parties for the use of the loan;
FULL NAME OF WITNESS OF THE CONCLUSION OF A TRANSFER OF THE Loan and their signatures (optional);
signatures of the subjects of the contract and their decoding.

The borrower, returning a debt on a receipt, should also protect himself, fixing documented that the debt is paid in full. Or pick up the receipt from the lender and destroy it.