Recover what you’re owed.
A defaulter ghosting you isn’t the end. With a tight paper trail and Warden’s identity intel, lenders win in small claims more often than they expect. This is the playbook — step by step.
Educational only — not legal advice. Procedures and limits vary by country, state, and amount. Confirm specifics with a qualified attorney or your local court before acting.
Demand letter kit
3 escalating templates, filled live
Goods & Services guide
Keep chargeback protection
Find their dossier
Link a handle to a real identity
The recovery playbook6 steps
1
Lock down your paper trailScreenshot the agreement, the original request, every payment confirmation and message — timestamped. Courts rule on documentation, so capture it before they delete it.
2
Identify who they really are WardenA court can’t serve a username — it needs a real name and address. Warden dossiers link handles to real identities and payment accounts. This is where most lenders get stuck, and where Warden pays for itself.
3
Send a formal demand letterA dated written demand with a firm deadline. It often prompts payment on its own, and many courts expect you to try it first. Template included.
4
File in small claimsThe right venue for most P2P amounts — low fees, no lawyer required. File where the borrower lives or where the agreement was formed. Small-claims limits and fees vary by region — check your local court.
5
Present a clean caseShow the agreement, the transfer, the default, and the demand — in order. Warden corroboration from other lenders strengthens a pattern of intent.
6
Collect the judgmentWinning is half the battle — collecting is the other half. Wage garnishment, bank levy, and payment-platform records turn a judgment into money back in your account.
Contribute
Won a case? Pay it forward.
Share what worked — your demand-letter wording, which court, what evidence sealed it — as a remark on the actor’s dossier. Real wins from real lenders make the next recovery easier.