Have you ever loaned a friend something, with only their word they'd pay you back or return the item? It's understood that your friend will eventually make good on their debt. But what happens when that debt isn't repaid? Are you forced into the uncomfortable position of having to ask them to fulfill their obligation? Or do you wait silently, in hopes your friend will come through? And what happens to your friendship in the meantime? If left unchecked, that debt can erode even the strongest of relationships.