the negative reprisals from your action - turning him in - could be nasty. he could say f it, and the money he owes you, and hire someone to jack you up. or he could bring 9 of his friends (maybe he's got that many) to come jack you up. dunno, i would really have to hate someone big time to send them to jail. even then, you have to think of what he might do when he comes out - and by then he could have some more friends, the kind you don't want to meet in a dark alley.
chicks don't dig guys who get their heads kicked in.
i have to tell you my motivation for all of this: if i found out someone turned me in, i'd be all about plotting revenge. hell, i've gotten 'even' over far less in the past. of course, i'd never be stupid enough to part out a car on loan - i am fairly popular with the chicks, and we all know chicks don't dig stupid guys (so i must not be a stupid guy).
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JSFBOA
Save a life.
N = R* fp ne fl fi fc L
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