There are many reasons to not do discovery. Ask your lawyer.

Perhaps you could start obeying the rules, instead of posting on websites.

You are entitled to a refund. That is all............

A question for your lawyer, and only your lawyer.

A lawsuit will cost you tens of thousands of dollars, and you have no damages to sue for.

You can sue, but you will lose. The cop did nothing wrong.

They are likely scams. Legit bill collectors don't operate like that.

None of us can teach you how to practice law, and AVVO is not for specific legal advice.

It sounds like you are asking for relationship advice, not legal advice. But if she sues you, a judge will decide if it was a loan or a gift. Keep...

I seriously doubt that whatever damages you suffered (which appear to be none) would justify the time and expense of litigation.