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discuss Asking money back

This thread focuses on relationships, including communication, dynamics, challenges, advice, and their impact on personal growth and connections.
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I have this motto in life - 'Money can make or break relationships', so I invariably try to settle off all dues in time and also make sure that I lend moeny to people who are willing to settle money at the right time.

However, recently I am finding a little difficulty is asking people to settle their cash owed to me. I was wondering, how do you guys handle this? How do you tell people that they owe you money and that they should settle it without breaking the relationships?
 
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