If you are owed money on a promissory note, then you need to make a demand letter for payment by a set date. If not made by the demand date then your recourse is to bring a legal action for payment in the county court house in the county where you live. Typically the statute of limitations to bring suit is four (4) years from breach.The lawsuit should be against the person you loaned money to. I see nothing criminal with respect to how the loan was made or set up.