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qaz that is great to hear. Hopefully he has it coming from his bank automatically to yours.

Would you let a tenant screw you over for $20k? No!!! Don't let this bozo get away with it either. As he is no longer a friend, think of him as an unpaying tenant, and ruin him:)

Keep all emails, as it may be the only confirmation of a loan and repayment schedule you have for a court. If you do require going to court, and win, you will be able to have his wages garnished, and probably receive interest. (we do in Canada) You already know where he works..and that is...

You need to get something in writing while he is still your friend. Have the amount of the loan, interest charges, and payments made. Start with a repayment plan.Any amount you want, just make sure he signs something, When he stops paying, and he will, you will be able to take this to court...