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How to deal with debtors

Image courtesy of Stuart Miles at FreeDigitalPhotos.net


*First of all, make sure you do not deal with interest, it is bad for you. Allah hates interest. Some debtors are difficult, they will not make any attempt to talk to their creditors, some will do whatever they can to avoid creditors. When you have a debtor, for example when a payment is due and the debtor has not made payments. 

* Call him/her politely to remind him/her about the payment cause it might have skipped their mind.

*After few days if the payment is not made call the person during condusive hours, that is after 8am and before 9pm. Ask for your money clearly, politely and firmly. 

*Do not abuse or threaten your debtor, just make sure you are firm. 

* If no payment is made, ask your debtor  why they have not paid and be sympathetic with their reason(s). Showing that you understand their reason(s) will motivate them to pay up if you offer them a less stringent way of paying. For example, you can let them pay the money instalmentally or make payments on a much later date after showing you a proof that they will be able to pay later. Most people will pay back when less stricter options are provided.

A person should pay his/her debts before death. Let people know of his/her debts, so someone could pay it on his/her behalf if the person is  unable to pay it before his/her death.

Everything should be done for the sake of Allah, part of doing something for the sake of Allah means hoping for a reward from Him. Everything happens according to will of Allah.

Keep checking my blog regularly ! Cheers

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