Maybe your sister totaled your car and won't pay for repairs, you contracted to rebuild your neighbor's fence and now they won't return your calls, or your college roommate stole your credit card and ran away to Tijuana. Whatever the case, you're owed a debt. How in the world do you go about collecting it?
There's plenty of ways to go about collecting what you're owed, from taking a gentle approach to pulling no punches. Here's five straightforward ways to collect on a debt, from least to most severe: