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Sue Someone Who Owes You Money Without A Lawyer

Updated August 30th 2022

3 min read

When someone owes you money, it can be frustrating that you've had to wait unnecessarily. Even though you may both have agreed to a repayment date, they may have missed it and not be responding to your request for payment. If someone owes you money and is not making a plan to repay you or trying to work out a...

Sue Someone Who Owes You Money Without A Lawyer

Sue Someone Who Owes You Money Without A Lawyer

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Kaylin Lo

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Dispute is the easiest & most accurate small claims platform with affordable ways to resolve every dispute.

When someone owes you money, it can be frustrating that you've had to wait unnecessarily. Even though you may both have agreed to a repayment date, they may have missed it and not be responding to your request for payment.

If someone owes you money and is not making a plan to repay you or trying to work out a solution, you have a few options.

You can:

Although they may refuse to return your money, this does not mean that your money is lost. Consider these options, and file with Dispute if you'd like to use the legal system in an affordable way.

Be sure to check the statute of limitations and make sure you're pursuing legal action within the appropriate time frame. This may vary by state.

Talking About a Missing Payment

The first thing that most people should do before turning to the courts for help is to ask the person who owes them money. If you have documentation explaining when payment was due, you may want to bring this to clear up any misunderstandings.

If the other party didn't realize they didn't repay you on time, they might be willing to set up a repayment plan or pay you when you talk to them. If so, you can avoid going to small claims court.

Gather Documentation and Send a Demand Letter

Remember, the paper trail you create is essential to get repaid. You need to keep receipts, text messages, emails, letters or other documents that explain that the other person will pay you back for the money owed. You might have a receipt for services rendered or evidence that you sold them something they never paid for.

If they won't meet with you about the debt or disagree that they owe you money, it's time to gather that documentation and prepare to send a demand letter. Online services like Dispute can generate and mail a letter for you. Additionally, a professionally worded letter and letterhead will increase your chances of payment.

In the demand letter, include:

  • How much money the other person owes you
  • The date by which you want a response
  • An option to set up a payment plan
  • Information on when the debt was created and why it was established
  • The option to mediate
  • Where to send the payment
  • The intent to sue if they do not respond

Get Ready for Small Claims Court

If the other party doesn't respond or refuses to pay, you may need to go to small claims court. Usually, small claims courts handle cases valued at $10,000 or less, though this varies by state.

In small claims court, you will need strong evidence that the other party owes you a debt. Provide copies of the initial agreement or contract, receipts, text messages, emails or other documents referring to the case.

Usually, a small claims court hearing will take place 30 to 75 days after you file a lawsuit. If the other party doesn't respond, you may automatically have the court rule in your favor and enforce the debt.

Get Dispute to file your small claims case online today. Win back the money you deserve.

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