What about the Mafia-way of dealing with debtors?
They didn't call the cops to report the illegal loans that you didn't repay because you spent it on illegal gambling. They showed up at your door and convinced you it was in your best interests to repay.
However, who's to say that the gun you bought but did not receive was in fact a replica? That's a whole other matter, and has nothing to do with the alleged fraud.