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Nine years ago, my brother-in-law borrowed me 7,000 yuan, and 9 years later he demolished it there, and my brother-in-law did not pay back, so he called me. I was a little surprised to receive this call because I had forgotten about this loan. After all, this is a lot of money, and after so many years, I haven't even thought about whether it has been paid off.
Looking back on those days, my brother-in-law and I were still very close. He is my sister's husband and we have a deep affection. At that time he called me and said they needed some extra money to solve some urgent problems and promised to pay them off in a short time. Considering the closeness between us, I decided to lend him the money.
However, in the past nine years, I have never received any repayment. During this time, I had some contact with my brother-in-law, but never mentioned the loan because he never mentioned it, so I didn't ask.
It wasn't until recently, when he called me and said they were demolishing there and needed money to cope, that he mentioned the loan.
This call confused me a little. If they need money, why not just give it back to me?
I decided to go through my bank statement to see if there were any entries. When I checked my account, I found that there was no record of any transfers from my brother-in-law. I spoke with my brother-in-law again, and he said he would pay off the loan as soon as possible, explaining that due to the complexity of the demolition work, he needed some time to process.
This call made me have doubts about my brother-in-law. Although he promised to pay off the loan as soon as possible, I began to worry that it was just an excuse. I decided to seek professional legal advice to understand my rights. The lawyer told me that if the loan was not paid off, I could recover it through legal channels.
This incident made me deeply aware of the seriousness of the lending relationship.
Even if the borrower is someone close to you, you should keep the lending relationship clear and transparent. I decided to have a good talk with my brother-in-law and ask him to pay off the loan as soon as possible. At the same time, I will be more cautious in handling similar lending transactions in the future so as not to fall into a similar predicament again.
In this incident, I also learned the need to be rational and calm when facing any issue involving money. Don't let people neglect basic rights. When encountering similar problems, we should learn to seek professional legal advice to protect our own interests.
In addition, I also remind everyone that when lending funds, you must clarify the loan period and repayment method to avoid unnecessary disputes. If you encounter a situation where the borrower cannot repay the loan on time, take a positive attitude to solve it, rather than avoiding it. After all, the fundamental purpose of borrowing is to help others solve their difficulties, not to add troubles to their own lives.
In this case, I believe the best solution is to communicate directly with the borrower so that they clearly understand the urgency and necessity of repayment. If they don't make their payments on time, we can remind them in a friendlier way, such as sending a friendly email or making a polite phone call. In this way, we can avoid hurting each other's feelings as much as possible, and at the same time, we can achieve the purpose of recovering the loan.
In short, through this incident, I understood the seriousness of the lending relationship and the importance of equity. Later in life, I will be more cautious about borrowing and pay more attention to communication with my family. I believe that only through sincere communication and rational thinking can we avoid similar disputes and make our lives better.
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