well, like I said before.. it is all in the way you present it. Help them find a way to repay you, lay a little guilt on the situation. "Lil Bobby needs braces this year and Jim and I had a huge fight about where we would get the money... blah blah blah"
Make it sound as if they are helping you out by repaying the funds. "It would really be a big help to us if we set up a payment plan".
If they are a decent person, they will do the right thing. If they are not a decent person... don't go out of your way to enable their actions.
If push comes to shove... shame is a great motivator. At the next family picinic let it slip to the chatty kathy of the bunch.. "BillyBob must be down and out because he has not been able to repay any of the 10k he borrowed from us". Once a family rumor sets in.. it will either motivate them to approach you to settle up and clear their name.. or it may even put the thought in others mind not to lend to BillyBob.
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