best security camera system 2012 image
Drew
A friend owes me a lot of money and he is not going to pay me back so I want to get it back through legal means. Currently I have a note from him as well as text messages, phone recordings and video recordings of him admitting to what he owes. Is it possible he could claim that I FORCED him to sign it? That I manipulated the sound recording some how or threatened him? I want to get him to sign other notes but I didn't know exactly what information and details that I need to jot down in order for it to be valid in court if I ever have to go there. I'm worried that my notes are incomplete and do not contain enough information to go through in court.
The money was lent to him for many different things, rent, food, clothing, other debts he needed to pay. For a while I was paying for all his food, equipment, everything pretty much. It was done in small increments in different types of payments such as cash and credit. He really needed help, threatened suicide on many occasions and pretty much just freeloaded off of me as I attempted to help him get back on his feet.
I have witnesses that can testify that he owes me that amount of money as well as a written note by him and a text message and phone voice recording of his admitting that he owes me over 11K. I want to make sure that I get my money back 100% and am afraid that I need more evidence so I want a more detailed note than the one I have now.
Right now I currently have a video recording of him signing a note that states exactly this...
I, ____, born on ____ with social security number _______ currently owe ______ 11,327 US dollars from accumulated costs that have been accrued since April 2012 and I am promising to pay this amount back by April 2013 in small or large increments with proof of reimbursement by receipts received by both party members. If I do not pay this amount back by April 2013, I approve of wage garnishment or other miscellaneous legal methods that may be enforced upon me by the state of law in order for ______ to have his funds returned appropriately.
Signed by borrower ________
Signed by lender ________
Witness Signature #1 __________
Witness Signature #2 ________
Witness Signature #3 _________
I have the actual note of his signature. I am afraid that he is going to claim forgery so I made sure to also have a video recording of him signing the note and reciting on recording the note verbatim.
I also have text messages as well as voice recordings from myself and other friends of him casually and informally engaging in conversation with them, acknowledging that he owes me these amounts.
For example, text messages and conversations such as....
Friend: So how much do you really owe _____?
Borrower: About 11K
Friend: You know you still owe ______ 11K, right? How are you going to pay him back?
Borrower: I know I do. I'm still trying to find a job.
Those are the two conversations and text messages that have been exchanged.
So in total, I have informal conversations through text and phone recordings of him admitting that he owes me oney. I also have a hard copy of a note that he signed(signature that matches that on his driver's license). Lastly I have a video recording of his actual self, on camera reciting the note and a voice recording of him signing it.
Is this enough to get him to give me money back? What else can I do to insure that I can legally get him to pay me back.
Please help me. I am so sick of thinking about this money. I barely make minimum wage and this money was earned by me through long hours of blood, sweat and tears. I just feel so distraught and upset being cheated and used by somebody who I really tried to help. I just want my money back so I can finally get this person out of my life and I can live my life. I made a huge mistake in trying to help somebody and I will never do it again, and I just want to move on.
Also, if I want to tack on interest, how can I go upon doing so?
I live in California, San Diego.
Answer
It sounds like he understands that he owes you money. What you need to do now is to figure out what repayment is most likely. If you see that he has a job, or is spending money on expensive things when he is telling you and other people that he does not have any, then it is time to go to court.
Having no idea if this person is a scammer/grifter or legitimately wants to pay you back you are going to have to do a little investigating on your own to see if the money is even there.
If they have a car, more nice clothes, new stuff, etc. then you should go and get a court ordered judgment for payment. If you are trying to stay in small claims, break the debt down into parts so you can eventually get everything you are owed. (Say, small claims has a cap of $5000 US per claim. You want to break it down to smaller amounts for clusters of loans or items so you can eventually get ALL of your money back and not have to default the rest that small claims can not order payment on).
If they have absolutely no job or way to pay that back by selling items, etc. then you need to start talking to them calmly and set up a reasonable payment plan. If that means they have to start pawning or selling items, so be it. They have no business having a gaming system when they owe money like that!
Glad you learned your lesson, now, don't lend money to anyone ever again no matter what the relationship. Relatives and lovers can be the worst when it comes to paying money back, so keep the pocket book closed when it comes to things like this! And the next time someone threatens suicide do not hesitate to call 911 and get them some help! Emotional blackmail to get money is not okay, and if you believe that they are going to harm themselves you need to act on that.
It sounds like he understands that he owes you money. What you need to do now is to figure out what repayment is most likely. If you see that he has a job, or is spending money on expensive things when he is telling you and other people that he does not have any, then it is time to go to court.
Having no idea if this person is a scammer/grifter or legitimately wants to pay you back you are going to have to do a little investigating on your own to see if the money is even there.
If they have a car, more nice clothes, new stuff, etc. then you should go and get a court ordered judgment for payment. If you are trying to stay in small claims, break the debt down into parts so you can eventually get everything you are owed. (Say, small claims has a cap of $5000 US per claim. You want to break it down to smaller amounts for clusters of loans or items so you can eventually get ALL of your money back and not have to default the rest that small claims can not order payment on).
If they have absolutely no job or way to pay that back by selling items, etc. then you need to start talking to them calmly and set up a reasonable payment plan. If that means they have to start pawning or selling items, so be it. They have no business having a gaming system when they owe money like that!
Glad you learned your lesson, now, don't lend money to anyone ever again no matter what the relationship. Relatives and lovers can be the worst when it comes to paying money back, so keep the pocket book closed when it comes to things like this! And the next time someone threatens suicide do not hesitate to call 911 and get them some help! Emotional blackmail to get money is not okay, and if you believe that they are going to harm themselves you need to act on that.
Which of these programmes do I 100% need on my HP laptop?
Melissa
My laptop is a HP Pavilion G6, on Windows 7.
Things I regularly do;
Plug in my iPhone 4
Transfer Pictures from Digital Camera
Maintain my website
Use Facebook
Use Youtube
Basic Browsing...
Programmes list;
Quick Time
Apple Application Support
Adobe Shockwave Player 12.0
Adobe Flash Player 11 Plugin
Synaptics Pointing Device Driver
DomaIQ
Microsoft.NET Framework 4 extended
Yontoo 2.052
Microsoft Silverlight
Real Player
Intel (R) C ++ Redistributables for Windows* on Intel (R) 64
Apple Mobile Device Support
iCloud
Skype
Microsoft Visual C ++ 2010 x64 Redistributable - 10.0.40219
Microsoft Visual C ++ 2005 Redistributable (x64)
Microsoft Visual Studio Tools For Applications 2.0 - ENU
Microsoft Visual Studio Tools For Applications 2.0 - Runtime
Microsoft Visual C ++ 2008 Redistributable - x86 9.0.21022
InstallBrain Updater Service
Haali Media Splitter
Kaspersky Internet Security 2012
HP Power Manager
HP Software Framework
HP Quick Launch
Visual Studio 2008 x64 Redistributable
Bonjour
ATI Catalyst Install Manager
HP On Screen Display
Realtek PCIE Card Reader
Realtek Ethernet Controller Driver
Bcool
Bcool 1.66
Microsoft Visual C ++ 2010 x86 Redistributable 10.0.40219
Microsoft WSE 3.0 Runtime
Microsoft Visual C ++ 2005 Redistributable
Origin
Microsoft Office Home & Student 2010
HP Support Assistant
MSXML 4.0 SP2 (KB973688)
Microsoft Visual C ++ 2008 Redistributable x86 9.0.30729.61.61
MSXML 4.0 SP2 (KB954430)
Microsoft Visual C ++ 2005 Redistributable
Microsoft Visual C ++ 2008 Redistributable x64 9.0.30729.61.61
Microsoft.NET Framework 4 Client Profile
Apple Software Update
HP Update
Java (TM) 6 Update 26
HP Photo Creations
Coupon Printer for Windows
HP Photosmart Wireless B110 All-In-One Driver Software 14.0 Rel.7
Shop for HP Supplies
HP Customer Participation Program 14.0
HP Solution Center 14.0
HP Smart Web Printing 4.60
HP Imagine Device Functions 14.0
Energy Star Digital Logo
Hp Setup Manager
Microsoft Visual C ++ 2008 Redistributable x64 9.0.30729.4148
Picture Mover
Microsoft Visual C ++ 2008 Redistributable x86 9.0.30729.4148
HP CloudDrive
HP Games
Cyberlink YouCam
Magic Desktop
Microsoft SQL Server 2005 Compact Edition [ENU]
Microsoft Visual C ++ 2008 Redistributable x64 9.0.30729.17
HP Documentation
Windows Live Mesh ActiveX Control for Remote Connections
Java (TM) 6 Update 22 (64-Bit)
HP Wireless Assistant
HP Setup
Windows Live Essentials 2011
Label Print
Power2Go
Cyberlink DVD Suite
Which one's should I remove & which one's do I NEED to keep?
Thank you so much in advance :)
Answer
First ignore John he a spammer.
It is going to depend on what you need and how well you know puters.
This is what I would remove
DomaIQ
Yontoo 2.052
Microsoft Silverlight
Real Player
Apple Mobile Device Support (keep of you have a iPhone or iPod)
iCloud (never use the cloud)
Skype
InstallBrain Updater Service
Haali Media Splitter
Kaspersky Internet Security 2012 (replace with ESET when the free part expires)
HP Software Framework (this is a resource hog)
HP Quick Launch
Bonjour
HP On Screen Display
Bcool
Bcool 1.66
Origin
HP Support Assistant
Apple Software Update
HP Update
Java (TM) 6 Update 26 ( java has turned into a giant security risk)
Coupon Printer for Windows
Shop for HP Supplies
HP Customer Participation Program 14.0 (this is spyware)
HP Solution Center 14.0 (this is for problems you can solve yourself)
HP Smart Web Printing 4.60 (I just don't like this program)
HP Imagine Device Functions 14.0 ( you might want this)
Energy Star Digital Logo
Hp Setup Manager
HP CloudDrive (never use the cloud)
HP Games (You might like the games, M$ are better)
Cyberlink YouCam (lots of people like this one, your choice)
Magic Desktop
Windows Live Mesh ActiveX Control for Remote Connections ( i consider it a security risk)
Java (TM) 6 Update 22 (64-Bit) (see above)
HP Wireless Assistant ( you should understand WiFi if you uninstall)
HP Setup (only needed during first turning on)
Windows Live Essentials 2011 (I consider this to be one giant piece of spyware from M$)
Some of the HP programs are for HP to help you resolve problems. They are resource hogs and if the system is out of warranty then you do not need them.
:)
First ignore John he a spammer.
It is going to depend on what you need and how well you know puters.
This is what I would remove
DomaIQ
Yontoo 2.052
Microsoft Silverlight
Real Player
Apple Mobile Device Support (keep of you have a iPhone or iPod)
iCloud (never use the cloud)
Skype
InstallBrain Updater Service
Haali Media Splitter
Kaspersky Internet Security 2012 (replace with ESET when the free part expires)
HP Software Framework (this is a resource hog)
HP Quick Launch
Bonjour
HP On Screen Display
Bcool
Bcool 1.66
Origin
HP Support Assistant
Apple Software Update
HP Update
Java (TM) 6 Update 26 ( java has turned into a giant security risk)
Coupon Printer for Windows
Shop for HP Supplies
HP Customer Participation Program 14.0 (this is spyware)
HP Solution Center 14.0 (this is for problems you can solve yourself)
HP Smart Web Printing 4.60 (I just don't like this program)
HP Imagine Device Functions 14.0 ( you might want this)
Energy Star Digital Logo
Hp Setup Manager
HP CloudDrive (never use the cloud)
HP Games (You might like the games, M$ are better)
Cyberlink YouCam (lots of people like this one, your choice)
Magic Desktop
Windows Live Mesh ActiveX Control for Remote Connections ( i consider it a security risk)
Java (TM) 6 Update 22 (64-Bit) (see above)
HP Wireless Assistant ( you should understand WiFi if you uninstall)
HP Setup (only needed during first turning on)
Windows Live Essentials 2011 (I consider this to be one giant piece of spyware from M$)
Some of the HP programs are for HP to help you resolve problems. They are resource hogs and if the system is out of warranty then you do not need them.
:)
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