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借貸雙方約定時間地點見面，核對身分與合約內容確認無誤後即可簽訂借貸契約書。若未按時還款，合法代書借款業者會先以電話、書信催繳，最後可能向法院聲請支付命令，皆依循正當法律程序來處理。當貸款人短期內無法正常還款時，建議積極與代書協商，尋�