Basically, my husband and I, who live in Cyprus, lent a George E. Caviness of Greensboro, NC, a total of €1200 [Euro] - €1000 on January, 15th 2015, and a further €200 on March 10th, 2015, to get him out of a financial fix. It was sent via TransferWise and all communications were via Facebook/messenger. Since then, I have sent him repeated messages asking when he will repay the debt. He finally replied on June 30th, 2016 saying he would start repaying the loan 'maybe in three weeks'. I continued to send him a few messages to maintain contact but he did not respond until I informed him I would have to use other methods of contact/recovery if he did not reply, he finally responded on January 26th, 2017 - 7 months later!, saying he was still financially strapped. I offered that he could repay the loan piecemeal, and gave him various options for repayment, but he has since refused to respond to my messages. We are now financially strapped as well and consider that 2 years is long enough to be waiting for repayment. How do I go about reclaiming our money from him?
You should be aware that it is highly unlikely you can collect anything from this person. North Carolina does not have wage garnishment and has generous exemptions which protect property. For an amount under $1,500.00 US, I would write this one off that you got scammed and leave it be. The court costs for filing in District Court would be $180.00 US alone, and if this person pays attention to the lawsuit and files and answer, you would have to come in person for trial. If you were to file in small claims court it would require a personal appearance for your testimony, and your cost to come here would exceed the amount of the debt.
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I agree with Ms. Coleman. Expensive lesson learned.
This is a general response that should not be considered legal advice. No attorney-client relationship has been formed. Please speak with an attorney in more detail about your specific situation.
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