You can defend yourself in the adversarial, but I would advise against it. Be prepared to answer how you intended to pay this money back. Perhaps you had a part time job back then and intended to pay it back. You need something that the judge can put his arm around that shows you had all intention to pay it back. A sudden change in income is a good defense.
The creditor has to prove that you took the cash without the intent to pay it back. This is hard to prove if you can show a "change" in income / job status / ect occured after you got the money.
The creditor has to prove that you took the cash without the intent to pay it back. This is hard to prove if you can show a "change" in income / job status / ect occured after you got the money.
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