What charges can be laid against a person who owes you money and is dodging you...

J

Jake

New member
...to avoid paying it back? So sometime last year I loaned some one $500. Months passed and this person hasn't paid me anything back and was extremely hard to get a hold of (Not returning calls or text messages). Finally I was able to speak to them (a year later) and we came to a verbal agreement (which is recorded) that they would pay me back in about 3-4 installments (Each payment on specific dates) and that's what they started to do.

The first two installments were paid making 50% of what was originally owed. Now comes the time for the 3rd payment the person is resuming the foolish game of ignoring calls again. I dont really want to take them to court but it seems I will have to. What charges can they face in this scenario?
We have a verbal agreement thats been recorded. Can I add onto my case for the breach of contract if its inconvienienced me, and for the resources I used making the case?
 
No charges. Small claims court. If you prove to the judge's satisfaction that he owes you the money, he'll decide in your favor and order him to pay it back.
 
No charges. You can only sue them in small claims court and if there is no written agreement, you won't win. If you do somehow manage to win a judgment, the hard part will be enforcing it and collecting your money.

If he doesn't want to pay you, the odds are you are not going to get paid.

Best to chalk it up to a live and learn scenario.
 
Nothing. Only a licensed money lender can take any legal action to get a loan back. If you're not a licensed money lender, you can't do anything. You just have to trust the person.

Recorded evidence doesn't matter. As I said, you must be a licensed money lender to take legal action. If you harass them for the money(constantly calling them, yelling at them), they can sue you for harassment. A verbal agreement isn't valid. You just have to make sure the person you're lending it to is trustworthy. This is not breach of contract.

What you can do, however, is talk to him and tell him you really need the money. If he is a good friend, he'll give it back to you.

If he doesn't, and you're sure he's not going to be a good person, tell him you'll press charges. Remember, he probably doesn't know about the law. He'll think that you can sue him. Tell him that you've talked with a lawyer, and say that if you sue him, he'll end up having to pay double. If he falls for it, he'll pay up. If not, choose who you lend money to more carefully.

But again, you can't do anything legally.
 
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