Let Say Jack (Promisee) let Jill (Promisor) borrow $10,000 and Jill offered to pay back with interest and return the money in two months. The conversation was via text and verbal over the phone and Jack agreed to the terms. However, two months have passed, and Jill has not returned the money because Jill got into a financial bind. She then states she will pay in sums within the next four months in total. However, four months later Jill is not making do of her promise and still has not paid Jack back. Jack is now coming up on 12 months on not getting his money back in full. Jack has made multiple attempts to get Jill to return the money owned, but still has not been successful. Is there a legal contract between Jack and Jill? If so, is this an implied contract or an expressed contract? When does the contract become an enforceable contract?