1, take legal channels. If the other party owes a huge amount of money, you can use the law to protect your property rights and interests, which is also the most effective solution to borrow money and not pay it back.

2. Ask the other party to pay back the money directly. In fact, many people borrow money and never pay it back. Apart from his own personal integrity and moral problems, the most important point is that the other party must have been merciful and did not directly ask him to pay back the money.

For this kind of person, it is the most effective way to ask the other party to pay back the money directly. At this time, don't pay too much attention to the so-called affection, because money is earned by yourself, and lending it to others is a great affection, so it is natural to pay back the money.

3. A euphemism for debt collection. Of course, there is also a possibility that the other party forgot to borrow money, so when asking the other party to pay back the money, you can gently remind the other party. If the other party remembers, as an honest man, he will definitely pay it back. If he deliberately ignores the reminder, please use the second method directly.

4. Borrow money by transposition. Borrow money from each other, too. Remember, borrow the same amount from each other.

5. Show relevant certificates to the debtor. More than half of those who borrow money and don't pay it back won't recognize it. At this time, they need to take the iou written at that time, or call a referee who was present when borrowing money, so there is no reason to breach the contract.