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An unsigned note is not enforceable in Michigan or any other state. However, the loan obligation may still be enforceable if there is other evidence, such as correspondence or prior payments, that an intent to make a loan and repay it.
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If ther is no signed agreement then it is a verbal agreement and is payable on demand. So, unfortunately, it can be demanded to be paid on full by the lender at any time.
Ifnhe does not pay then the lender would have to sue.
Bankruptcy could be an option to discharge the debt.