Debt good turn deserves another.For sure, absolutely everyone knows this proverb, but not all follow the covenants of folk wisdom. The malicious default of debt is punishable by law and is punishable by criminal law. In modern jurisprudence, there are many examples,
![judicial collection of debts](/images/zakon/sudebnoe-vziskanie-dolgov-s-fizicheskih-lic.jpg)
The most common cases are when physicala person who takes a loan from a financial institution violates the terms of the contract and does not make a monthly payment in a timely manner. Of course, there are different options, and not necessarily the borrower deliberately shies away from paying debts. That is why there is a procedure for the peaceful settlement of the conflict with the bank - the pre-trial stage. The borrower can write an application to the bank with a request for debt restructuring. If there is even a refusal, the debtor can present the document at the court in order to prove its willingness to cooperate.
If, however, the parties did not reach a common opinion, the next stage is coming -
![collection of debts by bailiffs](/images/zakon/sudebnoe-vziskanie-dolgov-s-fizicheskih-lic_2.jpg)
When submitting a claim, allrelated documents: a loan agreement, a claim against the respondent with a request for voluntary repayment of the debt, as well as specify the amount of the recovered amount and additional penalties. The more complete
![debt repayment](/images/zakon/sudebnoe-vziskanie-dolgov-s-fizicheskih-lic_3.jpg)
Судебное взыскание долгов - не только долгий и laborious, but also an expensive process, because it will be necessary to hire lawyers whose services should also be well paid for. To the claim, the creditor may also attach an application for reimbursement by the defendant of all legal costs, but their amount should not exceed the amount of debt.
After the final decision, obliging the borrower to pay the loan amount, the next stage of the process begins - debt collection by bailiffs.
It should also be remembered that the monetary debt onthe present day is the subject of sale and purchase, that is, the lending bank has the right to resell it to the collection agency, to which all creditor rights will pass.
So, it is worth remembering that judicial enforcementdebts - the process is very long, requiring material and emotional costs. Therefore, one should always give preference to the peaceful settlement of disputes, good, it is available at any stage of the trial.