A five-day grace period, says Ellis, is reasonable before hitting your friend with the fine, since things do happen. If signs are pointing to more serious delinquency—a number of scheduled payments have been missed and numerous follow-up emails or phone calls from you are ignored—it might be a good idea to consult with an attorney. ”If the borrower still doesn’t pay, you can take them to court,” says Prakash.
埃利斯表示,如果朋友过了期限未还钱,在你让他还借款并支付滞纳金之前,最好给对方五天左右宽限日,因为有时的确遇到些麻烦。如果对方拖欠债务的行为越来越恶劣,说好的分期还款有几次都没有还,并且对你的邮件和电话也置之不理,这个时候最好的办法就是咨询律师接下来要怎么做了。普拉卡什说:“如果这个时候对方还不还钱,那么就得上法庭了。”
In the scenario where one lump-sum payment is being paid back after a long-term loan, it never hurts to send a reminder email a month in advance of the due date to show her that you’re sticking firm to the terms. For example, “According to the agreement we signed, the loan I gave you will be due on June 15. I’ve attached an original copy, in case you’d like to refer to it. So glad I was able to help my cousin out.”
当长期借款后,对方需要一次性还清债务时,你需要在最后期限的前一个月发邮件提醒对方,展现出你严格遵守条款的一面,这么做一点也不为过。比如说,你可以在邮件中这么写道:“根据我们双方所签署的协议,6月15号前借款应当归还。我已在邮件中附上协议原件以便参考。很高兴在我的表亲需要时能够有所帮助”。
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