ESL Podcast ep. 1152 in Japanese

1,152 - Collecting Debt

If someone owes you money, how do you get them to pay you back? Find out what happens if they don’t pay you in this episode. 
(もし誰かがあなたにお金を貸す場合、どのようにあなたが貸金を回収するでしょうか?このエピソードでは、もし彼らがあなたに支払わない場合、何が起こるか見てみましょう)


to collect debt: to get money back from someone who doesn't want to pay you back or perhaps is slow in paying you back
owe: to be expected and, in fact, require to pay someone to something or do something for someone else

Ken: Look at this list of customers who still owe us money. How is this business supposed to survive if we keep extending credit?
(この未回収の顧客リストを見てよ。もし我々が返金を伸ばし続けたら、このビジネスをどうやって続けるというの?)

to extend credit: to allow someone by something now and pay for later

Marjorie: We started doing it because some of our best customers didn’t have ready cash. They’re good for it.
(我々の上客の一部は現金を準備できていないから、我々は返金期限を伸ばし始めたところだよ。彼らは信用できるよ)

to be good for it: to be trustworthy, or to be reliable

Ken: I know they’ll eventually pay their outstanding debt, but what are we supposed to do in the meantime? We need that cash to buy stock.
(彼らは最終的に未済借金を支払うことはわかっているけど、その間どうすればいいっていうの?我々は商品のストックを買うためにその現金が必要なんだよ)

outstanding debt: money that hasn't been payed on time
in the meantime: while we are waiting for the people pay us back
stock: the things the store buys

Marjorie: We can call in the debt and set a deadline for repayment. We can give those who are really hard up an extension on a case-by-case basis.
(我々は返済期限を決めて、返済を要求することはできるよ。我々はケースバイケースを基本として本当に返済が難しい方々に延長を与えることをしているよ)

to call in a debt: to demand that person who owes money pay you immediately, as soon as possible
hard up: in difficult situation, especially financial situation
case-by-case basis: looking at the details each person or each situation making decision on that information, not on just rule for everyone

Ken: What if they still don’t pay? We’d have to turn it over to a collection agency. We’d only get 40 cents on the dollar, but we’ll have to close our doors if we don’t collect.
(もし彼らがそれでも支払わなかったらどうする?我々は回収代行業者に引き渡さなければならなくなる。回収した金額の40%しか得られなくなるが、もし回収できなければ廃業するしかなくなる)

to close your doors: to close your business, or to go out business

Marjorie: Using a collection agency would be a last resort. I’ll call each of our major debtors and have a talk with them. I’m sure they’ll come through.
(代行業者を使うことは最後の選択肢だよ。我々の主要な貸付先それぞれに連絡して、彼らと話を持つよ。彼らは最終的には約束は守ると確信しているよ)

a last resort: a choise or an option that is the least favorable, one that you least want to do
debtors: people who owe money
to come through: to eventually do what you promise to do

Ken: I hope you’re right or we will be the ones asking for credit!
(あなたが正しいと願うよ。そうでないと我々もお金を借りに尋ねる人の仲間入りしてしまうからね)

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ESL Podcast ep. 1113 in Japanese