I think everyone including BCB is willing to see if TheBitMan can secure a loan.  I would also point out TheBitMan didn't begin looking for a loan until talk of a lawsuit started.  My guess is that TheBitMan's parents could pay this debt and get reimbuses in 180 days (even if it required using a credit card cash advance) but likely they know nothing about it.  My guess is that TheBitMan doesn't want them to learn about his PayPal adventures.  A lawsuit would certainly make his parents aware.  If TheBitMan secures a loan and everyone is repaid then there is no need for a lawsuit to go forward.  If he can't secure a loan, he can get his parents to advance the funds.  If he is unwilling to do either a small claim lawsuit will force the issue and also protect the interest of the creditors.