One of the most common calls we receive goes something like this: “I lent money to a friend, relative, or business owner. We never signed a loan agreement. But I have text messages where they keep promising to pay me back. Can I still recover the money?” In many cases, the answer is yes. While a written promissory note is always preferable, New York courts regularly consider text messages, emails, checks, bank records, and the parties’ conduct when determining whether money was intended as a…
