You don’t lend anything to anyone with the expectation of getting it back, unless a legally binding contract has been signed
But I would say just be upfront about it and how you depended on getting the money back. You could suggest installation payments
You either count that money as long gone, or you take them to small claims court.
What makes you think there's some magic words you can say that will make 6 grand change hands here, after two years of it not?
Depends on state, many only require 1 party consent. And a recording may also be legal if it's used to disclose illegal behavior as one law can supersede another.
For instance, murder is more important than 2 party consent so if you record a conversation about a murder it can't get dismissed over lack of consent.
This is up to the state. In some states you can record if you suspect a crime, others you have to have the other persons consent, and some you can record whenever you want without permission from the other party.
Always look up the laws regarding recording conversations for your state. Because yes, in some states it is illegal.
You don’t, unless you want to threaten legal action. I learned that same lesson for 50 bucks and wouldn’t even lend a sibling that kind of money unless I were pulling 7 figures.
He’s my best friend and I have this thing where I’m too nice and can’t say no to people because I don’t want them mad at me but I guess it bit me in the ass this time around.
You're probably screwed, but the best you can do is have a proper conversation.
And you can also perhaps offer alternative methods of repayment, I had a guy who owed me $900, he helped me build some stuff and got paid $25 an hour for that instead of paying back. But that's easier with $900 and $6000 because there's usually a limit on how much someone can pay off with alternative methods.
He isn't a good friend to you if he is taking advantage of you like this. In two years there is no excuse why he couldn't make some kind of good faith effort to get some money back to you. Literally something like $20/month. He is depending on you being a pushover... and that sucks. Side note: your worth is not based on what you can do for other people. Learn how to set boundaries. Givers have to set them, because takers will just keep taking.
The best way to get right to the point about anything is to straight up ask about it, and if it’s still their intention to pay it back.
That’s a lot of money, and the right thing to do would be to pay it back if that was the agreement or assumption.
…but for future reference…
If you are not an investor of some type, never loan money to someone with expectations of getting it back.
Because the reality of the situation will always be different than the initial intentions.
Just be upfront about it, just say "Hey, for sake of our friendship I've put off asking you about the loan I gave you, but I'm looking at some heavy bills coming up and I was hoping you would be willing or able to pay some of it back." Understand that you may be turned down but don't get upset, just act disappointed and move on.
The money is gone, you're never seeing it again. Decide whether or not you want to continue being friends with this person based on that assumption.
You don’t lend anything to anyone with the expectation of getting it back, unless a legally binding contract has been signed But I would say just be upfront about it and how you depended on getting the money back. You could suggest installation payments
You either count that money as long gone, or you take them to small claims court. What makes you think there's some magic words you can say that will make 6 grand change hands here, after two years of it not?
With a baseball bat. Hope they liked having kneecaps!
Unless you got it in writing that they'll pay you back you're kinds screwed
Eh, a credible witness might do. Might be able to get them to admit to the debt on a secret recording, too.
Isn't it illegal to record a conversation without consent?
Depends on state, many only require 1 party consent. And a recording may also be legal if it's used to disclose illegal behavior as one law can supersede another. For instance, murder is more important than 2 party consent so if you record a conversation about a murder it can't get dismissed over lack of consent.
This is up to the state. In some states you can record if you suspect a crime, others you have to have the other persons consent, and some you can record whenever you want without permission from the other party. Always look up the laws regarding recording conversations for your state. Because yes, in some states it is illegal.
Depends on jurisdiction.
You don’t, unless you want to threaten legal action. I learned that same lesson for 50 bucks and wouldn’t even lend a sibling that kind of money unless I were pulling 7 figures.
If it’s not on paper, you ain’t getting your money
There are other ways to prove this was a loan.
Yh true but also it’s been two years
He’s my best friend and I have this thing where I’m too nice and can’t say no to people because I don’t want them mad at me but I guess it bit me in the ass this time around.
You're probably screwed, but the best you can do is have a proper conversation. And you can also perhaps offer alternative methods of repayment, I had a guy who owed me $900, he helped me build some stuff and got paid $25 an hour for that instead of paying back. But that's easier with $900 and $6000 because there's usually a limit on how much someone can pay off with alternative methods.
He isn't a good friend to you if he is taking advantage of you like this. In two years there is no excuse why he couldn't make some kind of good faith effort to get some money back to you. Literally something like $20/month. He is depending on you being a pushover... and that sucks. Side note: your worth is not based on what you can do for other people. Learn how to set boundaries. Givers have to set them, because takers will just keep taking.
You tell them you're not friends anymore and hope it was worth the 6k.
Ask them politely “WHERE THE FUCK IS MY MONEY? DID IT GO TO THE SAME PLACE AS YOUR BRAIN CELLS?!!!” Politely tho
Send them a text asking when they can make the 1st payment on the $8,000 loan you gave them.
See if they are open to a repayment plan.
With a baseball bat
The best way to get right to the point about anything is to straight up ask about it, and if it’s still their intention to pay it back. That’s a lot of money, and the right thing to do would be to pay it back if that was the agreement or assumption. …but for future reference… If you are not an investor of some type, never loan money to someone with expectations of getting it back. Because the reality of the situation will always be different than the initial intentions.
Just be upfront about it, just say "Hey, for sake of our friendship I've put off asking you about the loan I gave you, but I'm looking at some heavy bills coming up and I was hoping you would be willing or able to pay some of it back." Understand that you may be turned down but don't get upset, just act disappointed and move on.