If somebody asking you to borrow money chances are very high they already have fukked up credit. If they're broke enough to skip out on paying you back a court order ain't getting you that money either.
Never loan money period. Not even to your own mother or father. If you have it to give and want to then give it otherwise just tell them no. Trustworthy responsible people have access to banks and credit cards. They have no reason to ask you to borrow money because they can get it through their own means. Untrustworthy people won't pay you back anyway. There is a very narrow subset of people who are trustworthy but have fukked up credit and can't deal with a bank.
I'm a financially responsible person. I charge everything I can on a cash back credit card and pay them off monthly. All my bills are auto-pay on my Chase Freedom. I'm not running into any bills that can't post to that card. A decent portion of the month most of my paychecks are sitting in my checking account. If I need short term money for a couple weeks I can put that on a credit card and pay it off before it's due or just use checking account money. That's not even getting to my savings account.
What I'm getting at is a person with a decent job who lives within their means and is financially responsible is not going to walk up to you and ask for money. If a person has to ask people they know for money especially low amounts like $200 that says all you need to know about their financial situation and your odds of ever getting that back.
I mean seriously who doesn't have $200 on a credit card? When I was a teenager working retail I had that.
