Nebraska · Unpaid personal loan

Unpaid personal loan in Nebraska small claims

Friend or family owes you money? Recover it in small claims.

Lending money to a friend or family member without repayment can lead to a small claims case. You do not need a formal promissory note to sue, but having written evidence of the loan — even text messages or emails confirming the amount and a promise to repay — dramatically strengthens your case. The key elements are proving the loan was made, the amount, and that repayment was due.

In Nebraska, small-claims cases are heard in the Small Claims Court (a division of the county court) and you can sue for up to $7,500.

Good to know: Nebraska small claims is not a separate court but a division of the county court, with hearings before a county judge. Cases are filed with the clerk of the county court in the proper county.

Unpaid personal loan: steps that matter

1. Gather all evidence of the loan: bank transfers, cash-withdrawal records, texts, emails, or any written note agreeing to repay.
2. Calculate the amount owed including any agreed interest, and confirm when repayment was supposed to occur.
3. Send a written demand for repayment with a clear deadline and keep proof you sent it.
4. Confirm you are within the statute of limitations below before filing — the clock may have started from the repayment due date.
5. File in the court where the defendant lives or where the loan was agreed to.

Filing your Plaintiff's Claim and Notice to Defendant (Form CC 4:1) in Nebraska

1. Confirm your claim qualifies and pick the county. Small claims covers money owed, property damage, or return of personal property, capped at $7,500. File where the defendant lives or does business, or where the claim arose.
2. Complete the claim form (CC 4:1). Fill out the Plaintiff's Claim and Notice to Defendant with the parties' names and addresses, a short description with dates, the dollar amount, and why it is owed.
3. File and pay the fee. Submit the form to the clerk of the county court in person or by mail and pay the statutory docket fee plus surcharges. The clerk sets a hearing date.
4. Arrange service on the defendant. Serve the defendant by certified mail with restricted delivery or personal service by the sheriff or constable. Service costs are paid by you and added to any judgment.
5. Appear at the hearing. Both parties must appear at the date and time on the notice; no written answer is required. If the defendant does not appear, the court may enter a default.

Filing fees: The small claims docket fee is set by statute (a $6.25 base under Neb. Rev. Stat. 25-2804) plus statutory surcharges; service costs are paid separately and added to any judgment. Confirm the current total with the clerk.

Deadline that applies to your unpaid personal loan

A personal loan is a contract or debt claim — you lent money on a promise to repay. If you have a written loan agreement, the written-contract statute of limitations typically applies. If the loan was only a verbal agreement, the oral-contract or debt period usually governs. The limitations clock generally starts from the date repayment was due or the last payment made.

Written contract: 5 years (Neb. Rev. Stat. 25-205)

Answering a lawsuit: No written answer is required. The defendant must appear in person on the hearing date shown on the notice; failing to appear may result in a default judgment.

Serving the defendant: The defendant is served by personal service through the sheriff or constable, or by certified mail with restricted delivery. Service costs are paid by the plaintiff and added to any judgment.

Appeals: An appeal goes to the district court within 30 days of judgment: file a Notice of Appeal (CC 9:2) with the county court clerk, pay the docket fee, request the transcript, and post a $50 appeal bond (CC 9:3).

All Nebraska small-claims deadlines

The table below lists the filing deadlines Small Claims Court (a division of the county court) applies by claim category. Confirm the exact rule that applies to your unpaid personal loan claim with your court before relying on any figure.

Nebraska small-claims forms for your unpaid personal loan case

These forms are published by the Small Claims Court (a division of the county court). Download and complete them before filing.

• CC 4:1 - Plaintiff's Claim and Notice to Defendant (Small Claims): The initial document the plaintiff files to start a small claims case and notify the defendant of the claim and hearing.
• CC 4:5 - Small Claims Certified Mail Return: Used to document service of the claim on the defendant by certified mail with restricted delivery.
• CC 4:6 - Praecipe (Request) for Subpoena: Used by a party to request a subpoena compelling a witness to appear at the small claims hearing.
• CC 9:2 - Notice of Appeal: Filed with the clerk of the county court within 30 days to appeal a small claims judgment to district court.

This page is general information, not legal advice, and CaseBySelf is not a law firm. Rules, fees, and deadlines change and vary by court: verify with the specific court where you file. Source: Nebraska Judicial Branch: Filing a Small Claims Case. Last reviewed 2026-06-24.