Receipt in receipt of money: how to ensure the repayment of debt and how not to get into the debt hole

A receipt in receipt of money for renting an apartment, an advance for a sold car or simply a cash loan is a standard contract, which often is concluded between private persons. Moreover, Russian citizens are divided into two types: some require a receipt, while others hesitate to ask for a guarantee of payment of debt even when borrowing a million rubles. The latter often motivate their reluctance by fear of offending people with their distrust. Meanwhile, a receipt for receiving money is a guarantor for both the debtor and the creditor: one clearly represents the amount of debt and understands that they can not demand more of the agreed amount from him, and another knows that the money will return to him in any case. And even if the borrower changes his mind about returning money, they can always be demanded in court, confirming the validity of their claims by a receipt.

Law requirements

A receipt for the receipt of money must be executed with a loan of any amount exceeding one thousand rubles (10 minimum wages). This requirement of the law of the Russian Federation. The form of the receipt is arbitrary. When borrowing (receiving) large sums, it is recommended to notarize the document - this will serve as an additional guarantor.

There is no legally approved form of receipt, so you can write it on any scrap of paper. However, it is necessary to indicate in the document several mandatory items: the name and passport data of the borrower, the name and passport data of the creditor, the amount of the loan in words, the repayment period (if it is a loan), interest or a note that the loan is interest-free, the place of the document, date and Signature of the recipient of money.

Receipt in receipt of money in debt: expert advice

For borrowers:

1. Write a receipt with your own hand. In case you need to sign a printed text, do not leave any spaces between the caption and the text.

2. Carefully read the printed text, especially information on the amount of debt, the terms of return, interest rate and penalties.

3. Try to have your signature in several places get on the printed text.

4. Require your copy of the receipt, with the signature of the lender about the agreement with the conditions. This will help to avoid adding and changing the document in your favor.

For creditors:

1. Take only a handwritten receipt.

2. The receipt must be written with a ball-point pen , not with a gel pen (this is important for the expert in establishing the authenticity).

3. The text should consist of not less than 4-5 sentences, make sure that the receipt is written in your presence, on a level surface and with your right hand (if the borrower is left-handed, then left-handed).

4. Verify the signature in the passport and the signature on the receipt.

Collection of money

Receipt in receipt of money, like any other debt obligation, has a limitation period. It is equal to three years from the date of receipt of 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 case the old prescription is about to expire.

If your debtor does not show desire to return money, then write the application to court. After making a decision in your favor, you need to transfer the writ of execution to the bailiff service at your place of residence, which will collect the debt from the borrower in your favor.