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  • Writer's pictureCCFA

How to Deal with Calling Someone Who Owes You Money

In personal and professional relationships, money can often become a sensitive subject. Lending money to a friend, family member, or even a business acquaintance may seem like a simple gesture of trust at the time. However, it can sometimes turn into an awkward or uncomfortable situation when it's time to be paid back. Here's a step-by-step guide to help you approach someone who owes you money without causing undue strain on the relationship.


1. Prepare Yourself Mentally


  • Think about what you want to say and how you want to say it.

  • Stay calm and collected; emotions can only escalate the situation.

  • Know what you are owed and have any supporting documents handy.


2. Choose the Right Time and Place


  • Timing can be everything. Pick a time when they're not busy or stressed.

  • If you can, speak face-to-face or at least over the phone rather than through text or email.


3. Communicate Clearly and Respectfully


  • Be direct but polite. Explain the situation and ask for a resolution.

  • Offer a payment plan if payment in full isn’t feasible.


4. Listen to Their Side


  • Be open to hearing their perspective and be empathetic to their situation.

  • If they are struggling financially, be understanding but firm in your approach.


5. Document Everything


  • Keep a record of all communication.

  • Write down agreed upon terms, dates, and any other relevant details.


6. Follow Up


  • If they agree to pay you back by a certain date, follow up if they don’t meet the deadline.

  • Continue to be respectful and patient, but persistent.


7. Consider Professional Help if Needed


  • If things aren’t resolving, you may want to consult with a legal professional.

  • Understand your rights and their obligations under the law.


Dealing with someone who owes you money doesn’t have to be a relationship-ending event. With empathy, patience, and clear communication, you can navigate this often tricky situation with grace and tact. Always approach the situation with understanding and a willingness to find a solution that works for both parties. While it might be uncomfortable, your proactive and respectful approach can preserve the relationship and ensure you are paid back what you are owed.

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