Lending money and not getting it back is awkward, personal, and expensive. It's also collectible. Whether you signed a promissory note or just sent a transfer with a promise to repay, a loan is a debt — and a debt can be demanded, sued on, and enforced.
1. Demand. Sometimes a formal letter is what finally makes a stalling borrower take it seriously — and it takes the awkwardness off you. Banksy drafts it free; an attorney can send it for $99.
2. Sue on the loan. If they keep dodging, we sue for repayment — on the note if you have one, or on the loan and the borrower's promise to repay if you don't.
3. Enforce the judgment. New York's CPLR Article 52 tools — information subpoenas, restraining notices, bank levies, and income executions through a marshal or sheriff — turn the judgment into repayment.
This works whether you lent to an individual or to someone's business. If it's a business, we also look for a personal guaranty and where the company banks, so a judgment reaches real assets.
Often yes — texts, emails, the transfer itself, and any partial repayments can prove both the loan and that it was meant to be paid back.
New York's general limit for a written contract is six years, and a partial payment or written acknowledgment can restart the clock — confirm your deadline before it lapses.
Free demand letter; $99 attorney review & send; full collection on contingency — no attorney fee unless we collect.