All cancelled checks state "LOAN" on them. I have Promissory Notes signed by the both of us. there is also a collateral loan where I am the primary and he is secondary with the collateral being his 2009 BMW X5. I have been making the monthly payments since September 2012. He lives in Columbia MD and I did too. But I moved to WV for a job. He has avoided me since I moved. I have reached out to him on numerous occasions and he has refused to respond.