My wife made a personal loan to a co-worker in the amount of $400 to help prevent her from being evicted. The co-worker signed a document which reflected the total of loan, the amount and dates for the repayment ($50 each bi-weekly payday). She missed the first payment with a sob story and we are approaching the due date of the second payment. This loan was made by my wife who is soft hearted, but I am a realist and missing the first payment is not a good sign. How soon can or should we file a claim in small claims court if she misses the second payment. Any assistance or guidance is much appreciated since this is our first time having to deal with this.