Legal Question in Credit and Debt Law in New York

Re: credit, debt, collections law

You could start a small claims action against your ex friend using the check as evidence of the loan. If there is nothing on the check about interest, pay back terms, etc., you would have to send a written demand for repayment of the money by certified mail, return receipt requested. Then, if you don't get the money you can sue. You would be entitled to the funds you lent and maybe 9% interest (the legal rate) from the date of your demand. Of course, unless you know where your friend has $$ or works your judgment from the court will NOT be collectible. If you friend had to borrow money from you where will your friend get the money to pay you back? Courts don't make people pay their debts they only provide a piece of paper that says they owe it to you...you have to enforce it yourself. Do you know how to do that?