You lent it in good faith.Getting it back shouldn't be this hard.
Lending to family or a friend is hard. Getting paid back shouldn't be. Send a formal certified demand letter for $39, or file in small claims for $99. Both start with a short chat and your own facts.
Most users finish in about 15 minutes
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What you're owed
$2,100
You can claim up to
$20,000
Texas justice courts handle money disputes up to $20,000, including informal and verbal loans between people.
Why a letter often works
Sometimes they just need to see that you mean it.
Most unpaid loans between people are not about the law. They are about whether the other side believes you will actually push it. A formal letter at their door, sent certified with a deadline, often gets a response that texts and calls never did. If it does not, you can move straight to filing without starting over.
What you get
Drafted from your facts
You answer plain questions in a short chat. We lay out who borrowed, what was agreed, and what is still owed, even for a verbal or text agreement.
A letter or a filing
Start with a $39 certified demand letter, or go straight to a $99 court filing. The same facts carry into either path, so you never start over.
Done in about 15 minutes
No appointments and no office visit. Start on your phone, finish the same sitting, and track everything from your dashboard.
How it works
Three steps. About fifteen minutes.
- 1
Tell us what happened
A short chat walks through who owes you, what was agreed, and how much is left.
- 2
Review and approve
Read the prepared letter or filing, edit anything that needs adjusting, and approve when it looks right.
- 3
We send or file it
A letter mails certified within one business day. A filing goes to the right Texas justice court, and you get your case number.
Real disputes Texans brought
If you lent it and they won't pay, this is the page.
Not sure whether to start with a letter or a filing? Start the intake and we will help you choose based on what you describe.
- A personal loan to a family member with agreed installments
- A verbal loan promised back from a tax refund
- Money fronted to a friend for attorney or court costs
- Rent you covered for someone who never paid you back
- A refund someone is holding that belongs to you
- A handshake loan with no written contract
Simple pricing
Start with a letter, or file today.
Two ways to get paid back. Pick the one that fits, and your facts carry into the other path if you switch.
Certified letter
- Formal demand drafted from your facts
- USPS Certified Mail with Return Receipt
- Delivery tracking and signed receipt
- Often settles before court
Small claims filing
- Court-ready filing prepared from your facts
- Electronic filing to the right Texas justice court
- Your case number and next-step guidance
- Claims up to $20,000
From real Texans
Paid back, without a courtroom.
“Got a check for $2,400 a week after the certified mail showed delivered. Never had to set foot in court.”
“Mailed the letter on a Tuesday. They called me Friday and wired the money the next week.”
“Got my money back in 6 weeks without setting foot in court.”
Common questions
Ready to get paid back?
Fifteen minutes from now, your letter or your case can be on its way.