Be in debt return money, perfectly justified. Having ability of Wu of countervail repay a debt not to wish to fulfill however repay this group of compulsory people, we say for " Laolai " . This kind of person they normally with " do not have money " for excuse, reject countervail to return the borrow or lend money of creditor, even the part often goes back on his word is very rich more, living a person of extraordinary powers curtilage, driving car of a person of extraordinary powers, do not be willing to return money namely however.
So, if debtor is to do not have money to return really, how should that do? To this, road of creditor caution bedding bag, must make a thorough investigation of these 3 kinds of circumstances of debtor:
One, movable
Movable, it is to point to the asset that can break away from original position and exists, if each all sorts of liquid assets, long-term investment is mixed,divide praedial each fixed assets beyond. For instance: Product of appliance of plane, shipping, car, mechanical appliance, agriculture, domestic animals, company and raw material. Accordingly, when debtor claims to do not have money, must make a thorough investigation of whether does debtor under one's name have movables, if have movables, loan is paid off after can talking things over to auction its with debtor.
2, praedial
Praedial, it is to show according to nature property or law provide not portable worth, be like land, the land such as authority of building, prospect, mining authority is deciding thing, the land resultant that has not break away from with land, because of nature or manpower is attached at land and irresolvable other other people. Accordingly, creditor needs to find out debtor under one's name to whether be had praedial, especially building, also should find out debtor whether will praedial undertake cession.
3, the asset such as deposit, stock
Deposit and stock are people most the capital fund that often uses. Among them, deposit also is the safest, because this is major,the person can exist money bank. Accordingly, creditor can make a thorough investigation of whether does debtor under one's name still have deposit and stock to wait.
Accordingly, if debtor claims to do not have money, not easily believe, after all you may know a person's face but not his mind, whether does the under one's name that must check clear debtor own the property that can carry out compulsively. If debtor does not have executable belongings really, creditor can be communicated well with debtor, let its be below the condition that ensures the life, amortize loan.
