如何有效催收借款？
最佳答案：
您好：
帮您总结了下
催收的基本步骤和话术：
1、逐步施压，一步一步突破对方的心理防线。
2、如果本人不接电话或者打电话没有用，有配偶的打配偶电话
3、拨打单位电话。
4、实地外访催收。
对于打电话催收没有用的，就必须要上门实地。尤其是对于前几期就出现逾期的客户，上门催收必须尽快进行。我们上门催收一定要抱着必须把钱要回来的态度，我们去不是跟他们好好谈的，因为能谈得在电话里都已经谈了，上门催收使我们最后一招，所以必须要强硬，否则我们就没有后路了。
欠款催款怎么回话最有效
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客户欠款不还，我该怎么办？
1、你可以发催款单，主要讲事实说清楚，语气委婉点，对你可能采取的诉讼渠道点一下即可，记得催款单用快递寄送
2、再次通话时记得进行电话录音，在通话时也要说清楚，让客户承认该笔欠款
3、将自己做的相关工作跟领导汇报，实在不行建议采取诉讼途径
快过年了，对于一直拖欠货款的人应该采取什么办法催帐
其实说到收货款时，个人觉得没什么绝对的好方法，就是要催，特别是有些奇葩客户要催到他们烦为止。为什么要怎么说，分几类客户说明一下。
第一种，客户基本上不会有欠款现象，比如说好月结，那月底他就准会打款过来；哪怕有些时候资金周转不开，也会再月底打个电话过来和我们说明情况。那这种客户肯定是大家都最想要的客户，很放心，基本上不需要催款。
第二种，客户行业原因，回款比较慢，借此拖款的。合同上写的很情况，比如月结，当时客户已经签字同意的，那么理应到点打款。觉得这类客户如果人品不错，私下款缓一缓也不是不可以，但是还是要催的，让客户给准话，到底什么时候可以打款过来。
第三种，就是不还款的，能拖则拖的。这类客户就没什么好说的呢，你客气了他以为你好说话，各种说辞就是拖着欠款。所以这种客户欠着人的款，还当自己是大爷的，没什么话说，就是催，催到他们烦为止，这类客户就算大客户，和他合作都要考虑一下。要不然年底头疼。
电话催款不给力的，可门去坐坐。
补充：
第一步还是需要进行各种形式上的沟通。
比如网络通讯，电话，短信上的沟通，如果不能了解原因，
还是需要上门拜访一下。
让客户感受到重视和业务员的难处。
尽量还是笑脸迎人吧，毕竟是客户都希望未来能长期合作下去。
公司内可以组织讨论一下，制定一些好的方案，大家有好的经验一同交流学习进步。
希望我回答能帮到亲,祝亲生意兴隆！
欠款有好多种情况：
1、对方确实没钱。说好的付款时间，签好的合同和一些文件，但时间到了的时候确实没有钱，可能他们也有欠款方不能收回账款，这样的不太好对付，只能让对方抓紧时间去要账了。当然没有压力就没有动力，适当地逼客户一把，他会更努力地去要账。然后付清这边的货款。
2 、对方有钱不给。属于能拖多久就拖多久的客户，自己有钱买高档汽车，买豪华别墅，但是就拖欠别人的货款。
这种客户一定不要客气，可以天天打电话，但是此类人打电话一般不会接。
对待这种恶劣的客户，也可以直接上门，不过有时候也好多天不在公司。尤其是提前打电话约好的时间不在。
那就只有用其他商友的办法一直在那边等了。
当然还有专门的追欠款公司，这种的手续费比较高哦！
也看过其他商友追款的帖子：让小姑娘天天在客户办公室哭，正好让老板娘撞见，于是当时客户就把钱付清了。
但方法都要在合理合法情况下进行。
