newbee – Have you asked him for a Mashkon, like his Menorah or Shabbos Leichter? That will certainly give incentive to pay back.
I’m not certain what that will solve.
If he’s being dishonest and simply doesn’t want to pay, then I doubt he’s going to give a mashkon.
If he’s being honest and wants to pay but lacks the funds to do so, then what good will it do to deprive him of his Menora or Shabbos candelabra?
The Wolf