First of all, is there any evidence that the lender has given the borrower money? Is there any 'written agreement' about the way of the repayment of the loan is made? If yes, it's easy for you to initiate legal action against the borrower. If not, don't worry. We will continue to assist you in pursuing legal action against the borrower.

In addition to appointing a lawyer, you can also initiate legal action against the borrower. However, for the purpose of facilitating your case, it is advisable for you to appoint a trusted lawyer to initiate legal action against the borrower.