Can I get my money back with just a loan certificate?

A loan certificate is the most basic and powerful evidence proving the fact of lending money and the obligation to repay.

If the signature, amount, date, and repayment date are clearly stated, it is a sufficient legal basis to exercise the claim.

However, compulsory execution is not possible with just a loan certificate, and it is good to follow legal procedures one by one.

If the debtor avoids contact, it is good to first send a content-certified mail, which is an official notice to repay by a fixed deadline.

Content-certified mail, together with the loan certificate, becomes important evidence in subsequent legal disputes.

Then, by utilizing a payment order application, you can secure an enforcement title that allows simple compulsory execution without litigation.

If the debtor raises an objection to the payment order, it proceeds to civil litigation.

If the loan certificate is clear, the burden of proof is not high in litigation, so a relatively quick judgment can be obtained, and securing additional evidence is also a sure method.

If there is a judgment or finalized payment order, you will be able to receive actual repayment through wage, deposit, or real estate seizure.