Q: Loaned $3,000, not repaid as agreed, considering suing.
On 1/24/25, I loaned a friend $3,000 with an agreement via text that it would be paid back in 3 weeks. The deadline passed without repayment, and despite arranging a discussion later, they didn't respond. On 3/11/25, they promised repayment by 3/12/25, but I have since had no contact. I have phone logs, text messages, and an email documenting my attempts to reach them. There were no agreed penalties or interest for late repayment, and they've repaid previous loans in the past. I am considering suing to recover the money.
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- New Jersey
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A: It is not going to be cost effective for you to retain an experienced civil litigation to represent you in small claims court. But you should be aware, the person you loaned money to can easily file for Bankruptcy (depending on that persons over all circumstances). You have to follow the Court rules and no one here can provide you with a course in how to represent yourself in small claims court. Good luck.
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