Thank you;so in IL the small claims court only has jurisdiction to $10,000 http://www.illinoislegalaid.org/index.cfm?fuseaction=home.dsp_content&contentid=5521# ***** this means is that the plaintiff can waive any amount over the $10,000 limit, or they can bring suit in general civil court. Generally it is best to first send a demand letter, generally giving 10 days to pay (that's the norm but is not statutorily required) sent certified mail, return receipt requested. If that fails, then one can proceed with litigation
. Verbal agreements are still agreements- a contract
is a contract. Of course the court will require some kind of proof- ie cancelled check, allegations of a recent purchase, etc. The court will then, if they find for the plaintiff, issue a judgment - and the plaintiff becomes the judgment creditor
and can then collect on the judgment. Of course, a judgment is very harmful to one's credit rating, so most people will attempt, when litigation is threatened on a valid claim, to arrange a payment plan or pay off the debt - a judgment remains on one's credit report
indefinitely as it can be renewed when it expires.