The receipt of money for renting an apartment,An advance payment for a car sold or just a cash loan is a standard contract that is often concluded between private individuals. Moreover, Russian citizens are divided into two types: some require a receipt, while others are embarrassed to ask for a guarantee of debt payment, even with a loan of a million rubles. The latter often motivate their reluctance because they are afraid of offending people with their distrust. Meanwhile, a receipt for the money is a guarantor for both the debtor and the lender: one clearly represents the amount of the debt and understands that they cannot demand more than the agreed amount, and the other knows that the money will return to him in any case. And even if the borrower changes his mind to return the money, they can always be requested in court, confirming the validity of their claims with a receipt.
Requirements of the law
The receipt of the money must be made atloan of any amount in excess of one thousand rubles (10 minimum wage). This is a requirement of the law of the Russian Federation. The form of receipts is arbitrary. When a loan (receipt) of large amounts is recommended to notarize the document - this will serve as an additional guarantor.
There is no legally approved form.receipts, so you can write it on any piece of paper. However, it is necessary to indicate in the document several mandatory points: the full name and passport details of the borrower, the full name and passport details of the lender, the loan amount in words, the repayment period (if it is a loan), interest or a note that the loan is interest-free, the place where the document was written, the date and signature of the recipient of the money.
A receipt for the money in debt: expert advice
For borrowers:
1. Write a receipt with your own hand. In the case when it is necessary to sign the printed text, do not leave spaces between the signature and the text.
2. Carefully read the printed text, especially information on the amount of debt, repayment periods, interest rate and penalties.
3. Try to get your signature in several places on the printed text.
4. Require your copy of the receipt, signed by the lender of acceptance of the conditions. This will help to avoid annotations and document changes not in your favor.
For lenders:
1. Take only a handwritten receipt.
2. The receipt must be written with a ballpoint, not a gel pen (this is important for an expert when establishing authenticity).
3. The text should consist of no less than 4-5 sentences, make sure that the receipt is written in your presence, on a flat surface and with the right hand (if the borrower is left-handed, then with the left).
4. Verify the signature in the passport and the signature on the receipt.
Recovery of money
Расписка в получении денег, как и любое другое debt obligation, has a statute of limitations. It is equal to three years from the moment of receiving the loan. And this must be taken into account when your debtor asks for a delay: if you want to give it, then take care of drawing up a new document, in the case when the statute of limitation of the old receipt is about to end.
If your debtor does not want to returnmoney, then write a statement to the court. After the decision is made in your favor, it is necessary to transfer the writ of execution to the bailiff service at the place of residence, which will collect the debt from the borrower in your favor.
