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<blockquote data-quote="Slack" data-source="post: 1338611" data-attributes="member: 13947">Your most obvious course of legal action is small claims court as has been mentioned by others.&nbsp; Here are the likely outcomes from that process:File the suit and have her served while spending about $200:1)&nbsp; She shows up and says she borrowed the money.&nbsp; The judge decides in your favor and she pays $600 right there and then.&nbsp; <img src="/images/smilies/new/pms2.gif"&nbsp; class="smilie" loading="lazy" alt=":pms2:" title="Pms2&nbsp; &nbsp; :pms2:" data-shortname=":pms2:" />2) She shows up and says it was a gift. Judge asks for documentation, you shrug, judgment for defendant.&nbsp; Out of pocket $600.3)&nbsp; She doesn&#039;t show up, judge gives you default judgment of $400 plus costs.&nbsp; Now you have a piece of paper in your hand that says she owes you $600. Still out of pocket $600, but at least you &quot;won&quot;.&nbsp;&nbsp; If she has a steady job, then garnish her check (more hassle, paperwork, and a little $) and slowly get repaid, assuming someone else isn&#039;t garnishing her pay and she doesn&#039;t change jobs,&nbsp; If she doesn&#039;t have a steady job, or doesn&#039;t work, then you are pretty much out of luck. Blood from a stone.I think you would be better off seeing if she has something you can take in trade.&nbsp; Finally, just hit her up every payday for the money.&nbsp; Just don&#039;t stop.&nbsp; She will probably start avoiding you at this point.Don&#039;t loan money unless one or more of the following are true:1) You can afford to lose it.2) You receive something in collateral (of value to you or easily to sell).3) You like being taken advantage of. <img src="/images/smilies/image096.gif"&nbsp; class="smilie" loading="lazy" alt=":hithead:" title="Image096&nbsp; &nbsp; :hithead:" data-shortname=":hithead:" />My momma once told me that sometimes it was worth loaning money to people that you didn&#039;t like and you knew weren&#039;t going to pay you back.&nbsp; It gave them a reason to avoid you and gives you an easy conversation starter (&quot;where&#039;s my money?&quot;).If you can&#039;t or don&#039;t want to afford it, send them to the local pawn shop or signature loan company.&nbsp; As much as I don&#039;t like these businesses, that is what they are there for and they know how to get their money back.</blockquote>

[QUOTE="Slack, post: 1338611, member: 13947"] Your most obvious course of legal action is small claims court as has been mentioned by others. Here are the likely outcomes from that process: File the suit and have her served while spending about $200: 1) She shows up and says she borrowed the money. The judge decides in your favor and she pays $600 right there and then. :pms2: 2) She shows up and says it was a gift. Judge asks for documentation, you shrug, judgment for defendant. Out of pocket $600. 3) She doesn't show up, judge gives you default judgment of $400 plus costs. Now you have a piece of paper in your hand that says she owes you $600. Still out of pocket $600, but at least you "won". If she has a steady job, then garnish her check (more hassle, paperwork, and a little $) and slowly get repaid, assuming someone else isn't garnishing her pay and she doesn't change jobs, If she doesn't have a steady job, or doesn't work, then you are pretty much out of luck. Blood from a stone. I think you would be better off seeing if she has something you can take in trade. Finally, just hit her up every payday for the money. Just don't stop. She will probably start avoiding you at this point. Don't loan money unless one or more of the following are true: 1) You can afford to lose it. 2) You receive something in collateral (of value to you or easily to sell). 3) You like being taken advantage of. :hithead: My momma once told me that sometimes it was worth loaning money to people that you didn't like and you knew weren't going to pay you back. It gave them a reason to avoid you and gives you an easy conversation starter ("where's my money?"). If you can't or don't want to afford it, send them to the local pawn shop or signature loan company. As much as I don't like these businesses, that is what they are there for and they know how to get their money back. [/QUOTE]

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