It is horrible!!! We loaned my brother well over $1000 because he was going to lose his home. That was over 6 years ago. We told him last year that we REALLY needed the money back!! Guess what? He still hasn't paid us. He and his wife have been on several vacations. Even went to Mexico. One day his time will come. I am a firm believer that you reap what you sow!!!! He is not speaking to us now.