Hey Pearce,

Thank you for that advice. I hope it doesn’t come to that but that’s why I got a promissory note: I saw the writing on the wall.

So, my SIL was very defensive. The purchase was one of those expensive wooden playsets for their backyard and her post was about how excited their kids would be in the morning. It sent me over the edge! I thought it was new, but it turns out it was used, which she retorted to me, saying it was only $500 (plus $60 for a  Uhaul to move it) and it was a “golden opportunity” and they “just couldn’t pass it up”.
She went on to say she didn’t want to take the loan any more than I wanted to give it.

But they DID take the loan, so it’s their responsibility to pay it back. She is from another country and said they were going to forego a trip to her homeland in order to “get their finances in order”.

Oh, there is no question, we will NEVER NEVER EVER give them, or any other family member a loan ever again!

Thanks for your kind words. They are much appreciated right now.