Shalom, someone has defaulted on a loan of many years ago (25+). I have a digital copy of the IOU with his signature. (Parenthetically, I believe he has put all his funds in his wife’s name). Is there any “hope” in making a tvia based on a digital copy of an IOU without aidim on the shtar? (There are other people in EY however who are aware of the transaction and would probably testify).
You can make a tvia, but he will be able to say that he already paid it.