It is already mid-January, which is also an important node. Most textile companies will have a holiday on the 15th. In other words, the textile market will enter vacation mode on a large scale, and textile workers who have worked hard for a year will finally have the only long vacation of the year! However, the textile bosses cannot relax at all. There is still the most important thing to do-collect payment!
Recently, a picture has been widely circulated among friends in the textile industry. The picture is about a textile boss’s work in the past week. In addition to collecting money, it is collecting money. It has a sense of déjà vu that “until the earth explodes, we will not take a holiday.”
For cloth bosses, having receivables is inevitable. It seems to be common in the textile industry and is also a long-standing problem. Compared with previous years, the situation of receivables this year is even worse than in previous years. The amount of receivables is larger, the repayment cycle is longer than in previous years, and it is becoming increasingly difficult to collect. This year, the arrears cycle in the gray fabric market has basically remained at 2-3 months, and even half a year or more, and even bad debts have occurred. Debt on trade orders is even greater than debt on gray fabrics, and has always been so. Most domestic trade orders require a deposit, and the remaining payment is in arrears. This year, the period of arrears for this part of the payment has also been extended from monthly settlement to more than 3 months, or even longer.
01 Why is the debt situation of enterprises more serious this year?
Why is it more difficult to get payment for goods this year? The biggest problem is that the overall market situation is not good. Clothing retailers have unsalable clothes and reduced cash flow, making it difficult to pay clothing costs to garment factories. As a result, clothing factories cannot pay fabric fees to fabric merchants, and finally fabric merchants default on payment to gray fabric merchants. In this way, the entire industry has formed a “sales chain.” If there is a problem with one party’s funds, the entire industry will be in debt.
02 Enterprises accept arrears but are unwilling to accept commercial paper
In view of this year’s sluggish market, offsetting sales is also an important task for enterprises. In order to seize the order, sometimes you have to owe money or collect some commercial bills, such as bank acceptance bills, commercial acceptance bills, etc. Such bills also bring difficulties to enterprises. First, they make payment difficult. Second, they increase financial burdens. Third, they increase management costs and risks.
Mr. Wang, who has been engaged in weaving for more than ten years, said: “Our factory rarely accepts such bills, and those that do are rare. We only have bank acceptance bills. . The market is not good this year. In order to reduce inventory, when we meet new customers who have big orders but no funds, we ask them to pay bank acceptance bills. If they are old customers, they would rather owe money than accept bank acceptance bills. This All kinds of money orders have a 2% handling fee, which is equivalent to 2% less profit. This year’s profit is already low. If you remove these 2 points of fees, what else will you make?”
Therefore, the market is not good. At this time, businesses are more likely to accept debt arrears than commercial paper. This also explains why arrears have increased this year.
03 Different companies have different debt amounts and account periods
During the editor’s visit and research, we also found that in recent years, they have transformed, updated their machines, and constantly Companies that develop new products quickly have good debt problems and it is relatively easy to collect payments; on the contrary, companies that are slow to update their products and have strong substitutability have more receivables and are more difficult to collect. This shows that companies that follow the old tradition are relatively passive in the market, have no say, and are easily “led by the nose” by customers. Companies with novel products that are difficult to replace have a stronger voice and can independently screen customers and control the amount of debt owed.
In short, if you want to reduce receivables, you must improve the attractiveness and innovation of your own products, take the initiative into your own hands, and have enough ability to “say” to customers who want to owe money. no”! Finally, the editor hereby appeals to textile workers who have debts to pay back their money promptly and voluntarily. It is not easy for anyone, be considerate of each other, and celebrate the New Year happily together!
But! What should you do if you face a merchant who doesn’t pay back the money you owe? There is only one solution, and that is – debt collection.
How can I get my money back? Because everyone is different, there is no one-size-fits-all solution for debt collection. However, debt collection techniques are all similar, so there are still some general debt collection methods for everyone’s reference.
Before deciding to collect debt, we must first be mentally prepared to lose this friend. In fact, he had already severed all ties with us when he decided not to repay his debt.
The debt collection process can be divided into three stages: front, middle and last. The intensity used at each stage is different. We must also remember to collect evidence throughout the entire debt collection process. (This is very important, we will talk about it later.)
The early stage is when we start the debt collection period . At this stage, you should pay attention to debt collection: your speech should be simple and clear, because if you are tactful, he will pretend not to understand.
Don’t be too demanding when asking for money, otherwise he may not be able to pay us back if he feels disgusted. AttitudeSpeak ill of the other person in front of them to achieve the purpose of exerting pressure and shaking the other person’s will.
B Operation skills: Pay attention to the accuracy of the complaint. Whether the other party is present or not, the complaint must be based on facts; the speech must be appropriate.
“Shameful” debt collection method
Tell your family or all colleagues in the company, surrounding leaders, neighbors, and friends about your friend’s failure to repay the money he owes. They put up big-character posters and used loudspeakers to advertise that this person would not pay back the money he owed.
The “sick, old, shrew, beggar” debt collection method
You can find a sick person or an old person or a beggar or a shrew or someone from Wuhan University to the debtor’s home or When the company goes to collect debts, it will follow wherever it goes and will not leave until the money is repaid. Generally, debtors do not dare to fight or force out such people, but the effect is quite good.
“Tit-for-tat” debt collection method
A: Tit-for-tat refers to a kind of aggressive warfare, that is, if he is strong, you are stronger than him, and if he is tough, you are tougher than him. Use a tough stance that will never give in to force the other party to make concessions.
B Operating skills: Speak to the point and provide factual evidence; expose the debtor’s lies face to face, look directly at the debtor’s eyebrows, and attack the debtor’s heart with momentum.
“Report Violations” Debt Collection Law
If you have some evidence of the other party’s violations of laws and regulations (such as keeping a lover, looking for a young lady, not being filial to the elderly, tax evasion, unqualified hygiene) , bribery, corruption, operating without a license, substandard products, etc.). You can directly warn the other party that if he does not pay back the money, his personal or company’s scandal will be publicized. Expose it first and then report it.
“Media exposure” debt collection method
Using the media is a very effective method to expose him, arouse public opinion, and make the debtor embarrassed. It may be difficult for us ordinary people to borrow traditional media, but we can use the Internet, we can go to the discussion community to post, or we can borrow public accounts like our “Friends Please Pay Back the Money” (ID: M668598) to expose it.
The “Triangle Debt” debt collection method
When collecting debts, if the debtor says that he is a triangle debtor, others also owe him money, so there is nothing you can do. Then tell him that as long as he settles your debt, we will be responsible for collecting the debtor’s account. This method will not be very effective because the debtor will generally not believe it. We only say this to prevent him from making excuses that he has no money to pay back.
The debt collection method of “paying debt with debt”
is to follow him at any time, go to his home or company and ask him to take care of his food and shelter. Wherever he goes, you will Follow wherever you go. This requires a lot of time and patience on our part.
“Self-mutilation” Debt Collection Law
Debt collectors commit suicide, self-mutilation or other ways of harming their bodies to “request” the debtor to repay the money. This method is somewhat dangerous, so don’t use it if you can.
Later period: After using the above methods in turn, if debt collection is still fruitless, then try the following method~~
“Court Prosecution” Debt Collection Method
p>
Prosecution procedure: Write the complaint, bring the IOU, and ID card to the filing court of the court where the defendant is located to request filing of the case.
Before this, we must collect all the evidence, such as: IOUs, bank deposit receipts, witnesses, recordings~~ The more the better, the more sufficient evidence, the easier it will be for us to prosecute, and the more conducive it will be for us to recover the debt. payment. This is why we emphasized before that evidence must be collected during the debt collection process.
“Lawyer Assistance” Debt Collection Law: Consult with a few more lawyers to compare and see what else we need to prepare? How to do it better? Of course, if you don’t understand it at all, don’t have time, or find it too troublesome, you can leave everything to a lawyer.
“Debt Collection Agency” Debt Collection Method
There are many debt collection companies that can help collect debts. Of course, the cost of finding them is not cheap, and they have to pay a very high fee. .
For general debts, those with IOUs will charge about 30% of the total debt, and those without IOUs will charge up to about 50%.
Most of today’s debt collection companies play around with the law. If the amount is too small, they may not accept it. The methods they use are similar to what we mentioned above.
If you really have no other choice, you can try. It is better to get some back than none at all, but you must be cautious when cooperating with them.
“Other methods” debt collection method
For example: mortgage debt collection method, retreat as advance debt collection method, ultimatum debt collection method… the debtor The diversification also determines the diversification of our debt collection methods. But no matter which method or methods we use, we must remain rational during the debt collection process and must not be impulsive.
Finally, I would like to remind everyone that if you lend money to a friend, you must ask him or her to write an IOU. The IOU is the most important tool for us to protect our rights in the future. If it was not written at that time, we must do everything we can to get the debtor to write a replacement IOU before we collect the debt. The replacement IOU is also valid. </p
