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 easily pay this debt even if it required using a credit card cash advance but like 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 and is unwilling to get his parents to advance the funds he owes well a small claims filing can't hurt.