She is now covering the payments because she does not want it to effect her AA+ credit rating. How many late payments does she have to cover before she can pay it off in full and take him to small claims court for the balance? He's currently working and promises to pay, but then he doesn't show up for days and never pays. What are our viable options? She can afford to pay off the remaining balance, but wanted to give him a chance to correct his mistake. I just don't see that happening. This next payment will be the 5th she has made for him.