Legal Question in Civil Rights Law in Illinois

Your words are confusing. There is the lender and borrower. If the lender agreed to wait for payment until the 22nd and the borrower took the money on that basis, the lender can not unilaterally change the loan terms. On the other hand there is nothing in writing so it will be the lender's word against the borrower's, and in situations like that a judge could go either way depending on who seems more credible. Or the judge might say the lender didn't prove his case because there is no "preponderance" of evidence in his favor. Confused? Have the friend give an attorney a call.