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Good morning. I certainly understand your concern. Was there any written agreement to pay back this money or just a verbal one? Also, was any of this money given as a gift?
Verbal agreement on 20K that I wrote notes on and have reciepts.
Another 10k loan cosigned with a bank
The other party would have a legal obligation to repay you for the money loaned. If they are unwilling to do so, you would need to file a civil cause of action against them, to recover. Absent a written agreement, you would need to rely on the verbal terms and conditions of the loan as well as the other evidence which you have ( i.e. receipts), to prove the money was lent and they agreed to pay you back. In an ideal situation, they would do so but if they will not, the court would have to step in and find that they money is owed and they are responsible to pay it. If they do, you can obtain a judgment against this other party. Based upon the large amount which you seek to recover, this would not be a matter for small claims court and something which you should consider retaining legal counsel for.
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Are you talking about the cash loan-20K to pay their bills or the 10K loan I cosigned with him?
I am talking about both. If you loaned him 20K to pay his bills on the condition that he pay you back, you could sue him for that. If you co-signed on a loan with him, for his benefit, he should be making the payments. If he has/does not and you have to pay them since you obligated yourself to do so with the lender when you signed, you could sue and recover as well.
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