i lent out money & have a written & signed agreement saying it was to be paid back by a date but it never was
Chapter 7 Bankruptcy Attorney
If you are looking for an excuse to learn how the legal system works in your community, you should be aware that the courts are open to help you collect this debt. But you will be signing up for a frustrating experience. Consider the $40 as the cost of learning the truth about why it has been said (by Shakespear?) "neither a borrower nor a lender be."
Hope this perspective helps!