Ex-GF, Joint Credit Card, Third-party? *UPDATED* Please chime in

[ColdFusion718]

"Integrity is doing the right thing even when no one is watching."

 

[SoulAssassin]

Originally posted by: RaiderJ

In reality, she probably could come after you for your purchases, if it could be shown that they were definitely not hers. Whether or not she would win is another story. If it was me, I'd only do the minimum payment from here on out until I was asked in a more polite manner.

Actually, if he's an authorized user she can't. Doesn't matter if the purchases were made on his card with his signature with him on camera waving his drivers license in front of the camera saying 'Yes, it's me'. If it's legally her card and she added him as an authorized user, and not a co-applicant, then she has all legal responsibility for the debt no matter which of them made the purchase. Such is the reason never to have an authorized user. Matter of fact co-applicants are bad as well in many situations. In a married couple it generally reduces the amount of credit you qualify for. The husband could qualify for 100K in cards and the wife could qualify for 100k in cards for 200k in available credit for the family. With all joint accounts they could only qualify for 100k.


I'm not really advocating that he stiffs her w the debt, I'm just letting him know what his options are. As I said, it's a major dick move. If the card is several years old I'm guessing the promo has long since expired and non-0% debt on credit cards is bad so OP should move it elsewhere (in his name).

 

[smack Down]

Originally posted by: SoulAssassin

Originally posted by: RaiderJ

In reality, she probably could come after you for your purchases, if it could be shown that they were definitely not hers. Whether or not she would win is another story. If it was me, I'd only do the minimum payment from here on out until I was asked in a more polite manner.

Actually, if he's an authorized user she can't. Doesn't matter if the purchases were made on his card with his signature with him on camera waving his drivers license in front of the camera saying 'Yes, it's me'. If it's legally her card and she added him as an authorized user, and not a co-applicant, then she has all legal responsibility for the debt no matter which of them made the purchase. Such is the reason never to have an authorized user. Matter of fact co-applicants are bad as well in many situations. In a married couple it generally reduces the amount of credit you qualify for. The husband could qualify for 100K in cards and the wife could qualify for 100k in cards for 200k in available credit for the family. With all joint accounts they could only qualify for 100k.


I'm not really advocating that he stiffs her w the debt, I'm just letting him know what his options are. As I said, it's a major dick move. If the card is several years old I'm guessing the promo has long since expired and non-0% debt on credit cards is bad so OP should move it elsewhere (in his name).

Wrong, op's ex is the only one the credit card company can sue. The ex can sue the op if she could prove that it was the op's debit and I'm willing to bet the fact the op was only one paying on/using the card for the last 5 years would be proof enough to get a judgment.

 

[spidey07]

Originally posted by: zerocool84
A chick would do that to you in a hot minute so you do it to her. Take yourself off the card. Life's a biznitch

Agreed. It's her problem now and not yours. Wash your hands of that stuff and get your name off.

Don't pay one cent.

 

[RaiderJ]

Originally posted by: SoulAssassin

Originally posted by: RaiderJ

In reality, she probably could come after you for your purchases, if it could be shown that they were definitely not hers. Whether or not she would win is another story. If it was me, I'd only do the minimum payment from here on out until I was asked in a more polite manner.

Actually, if he's an authorized user she can't. Doesn't matter if the purchases were made on his card with his signature with him on camera waving his drivers license in front of the camera saying 'Yes, it's me'. If it's legally her card and she added him as an authorized user, and not a co-applicant, then she has all legal responsibility for the debt no matter which of them made the purchase. Such is the reason never to have an authorized user. Matter of fact co-applicants are bad as well in many situations. In a married couple it generally reduces the amount of credit you qualify for. The husband could qualify for 100K in cards and the wife could qualify for 100k in cards for 200k in available credit for the family. With all joint accounts they could only qualify for 100k.


I'm not really advocating that he stiffs her w the debt, I'm just letting him know what his options are. As I said, it's a major dick move. If the card is several years old I'm guessing the promo has long since expired and non-0% debt on credit cards is bad so OP should move it elsewhere (in his name).

I completely agree she's legally liable as per the credit card agreement, but if she were to try and sue him in court, she might win some sway with the judge. Maybe - I'm not a lawyer. However, if he's making payments on his debt and not racking new purchases up or otherwise being an ass, there's not much she can do. Obviously the CC company will say it's her debt (as it's her account).

My main point that is if he were to do something like remove his name and quit making payments, she might have a valid reason to take him to court. As such, I'd recommend to keep making payments as you could. However, if she wants to start harassing the OP, he could very well have a case against her too.

Girls + money = PITA

 

[Whoozyerdaddy]

It's been implied but nobody has said it yet...

1. NEVER get credit with someone to whom you are not married.
2. NEVER make someone an authorized signer on your card. Always make them a joint on the account so there is liability on their end.

If the OP wanted to he could walk away from this.

 

[BigJ]

Originally posted by: ColdFusion718
"Integrity is doing the right thing even when no one is watching."

Too bad there are plenty of people that don't have any in this thread.

 

[TruePaige]

Originally posted by: BigJ

Originally posted by: ColdFusion718
"Integrity is doing the right thing even when no one is watching."

Too bad there are plenty of people that don't have any in this thread.

Most people in here just think she shouldn't be hassling him to "HURRY UP AND PAY YOUR DEBT" when he's doing the best he can, even if it is minimum payments.

 

[BigJ]

Originally posted by: TruePaige

Originally posted by: BigJ

Originally posted by: ColdFusion718
"Integrity is doing the right thing even when no one is watching."

Too bad there are plenty of people that don't have any in this thread.

Most people in here just think she shouldn't be hassling him to "HURRY UP AND PAY YOUR DEBT" when he's doing the best he can, even if it is minimum payments.

Then say that, instead of saying "screw her with the bill and don't pay a cent."

I agree she shouldn't be bugging him about paying the bill. I completely disagree that he should stick her with the debt. It's a scumbag move, showing a complete lack of integrity.

 

[kt]

Originally posted by: kranky
You know, shame on those who say the OP should stick the ex with the bill simply because it's possible. What is wrong with you people? Don't you have any self-respect? And to say it would be OK to sabotage her mortgage and cost her thousands to "teach her a lesson"? And what would that lesson be, if I might ask?

Taking your name off the account would be a lowlife move. You have no right to screw up her finances. Find a way to get the balance off her account then you can pay it off any way you want. YOU owe the money, and to screw with her mortgage is completely and utterly unjustified.

No worries, should they be in court just tip her off about this thread. And all these people will be his co-conspirators.

 

[spidey07]

Originally posted by: kranky
You know, shame on those who say the OP should stick the ex with the bill simply because it's possible. What is wrong with you people? Don't you have any self-respect? And to say it would be OK to sabotage her mortgage and cost her thousands to "teach her a lesson"? And what would that lesson be, if I might ask?

Taking your name off the account would be a lowlife move. You have no right to screw up her finances. Find a way to get the balance off her account then you can pay it off any way you want. YOU owe the money, and to screw with her mortgage is completely and utterly unjustified.

There are consequences to ones actions. Putting somebody on your account has consequences when you aren't married.

I say make her eat it. It's not his card and it's NOT his problem.

When the ex went batty I immediately got on the horn that same day and canceled all accounts. You have to nip this in the bud.

 

[Greenman]

I'm astounded that anyone would suggest sticking her with your bills. Don't be a low life maggot and screw up her life, be a man and pay the bill.

And on a side note, looking through this thread we now know who has integrity, and who can never be trusted under any circumstances. To those of you that recommend sticking the ex with the bill, you are everything I hate in people, the only difference between you and a street thug is you don't have the balls to point a gun at someone when you rob them.

 

[SoulAssassin]

Originally posted by: smack Down

Originally posted by: SoulAssassin

Originally posted by: RaiderJ

In reality, she probably could come after you for your purchases, if it could be shown that they were definitely not hers. Whether or not she would win is another story. If it was me, I'd only do the minimum payment from here on out until I was asked in a more polite manner.

Actually, if he's an authorized user she can't. Doesn't matter if the purchases were made on his card with his signature with him on camera waving his drivers license in front of the camera saying 'Yes, it's me'. If it's legally her card and she added him as an authorized user, and not a co-applicant, then she has all legal responsibility for the debt no matter which of them made the purchase. Such is the reason never to have an authorized user. Matter of fact co-applicants are bad as well in many situations. In a married couple it generally reduces the amount of credit you qualify for. The husband could qualify for 100K in cards and the wife could qualify for 100k in cards for 200k in available credit for the family. With all joint accounts they could only qualify for 100k.


I'm not really advocating that he stiffs her w the debt, I'm just letting him know what his options are. As I said, it's a major dick move. If the card is several years old I'm guessing the promo has long since expired and non-0% debt on credit cards is bad so OP should move it elsewhere (in his name).

Wrong, op's ex is the only one the credit card company can sue. The ex can sue the op if she could prove that it was the op's debit and I'm willing to bet the fact the op was only one paying on/using the card for the last 5 years would be proof enough to get a judgment.

I didn't say the credit card company could sue him, I'm not sure where you got that from. She can try to sue him but the odds (and the law) are stacked very well in the OP's favor.

I don't usually advertise this but I worked for a very large credit card company for 9 years so I have a good idea what I'm talking about when it comes to these things.

 

[abaez]

Just to clarify the situation because I'm a bit confused:

1. GF got a card basically under her name, allowed OP to be an "authorized" user of the card, so he can buy things with it.
2. OP used card to buy things as if the CC was his own.
3. Relationship ended and OP has been slowing paying the card off, but since OP is only an authorized user and not the primary person, he has no legal obligation to pay the debt.
4. Ex now wants him to pay back the balance on the things that he bought with the card.

What's the issue here? You bought stuff with the card, you need to pay for it. Are people basically saying to release himself as an authorized user and saddle her with the balance of stuff that he bought? Wow.

 

[TruePaige]

Originally posted by: Greenman
I'm astounded that anyone would suggest sticking her with your bills. Don't be a low life maggot and screw up her life, be a man and pay the bill.

And on a side note, looking through this thread we now know who has integrity, and who can never be trusted under any circumstances. To those of you that recommend sticking the ex with the bill, you are everything I hate in people, the only difference between you and a street thug is you don't have the balls to point a gun at someone when you rob them.

Wait wait, you think it takes "balls" to point a gun at someone? Man that sounds retarded.

At first I thought you were trying to give advice to people.

 

[Greenman]

Originally posted by: TruePaige

Originally posted by: Greenman
I'm astounded that anyone would suggest sticking her with your bills. Don't be a low life maggot and screw up her life, be a man and pay the bill.

And on a side note, looking through this thread we now know who has integrity, and who can never be trusted under any circumstances. To those of you that recommend sticking the ex with the bill, you are everything I hate in people, the only difference between you and a street thug is you don't have the balls to point a gun at someone when you rob them.

Wait wait, you think it takes "balls" to point a gun at someone? Man that sounds retarded.

At first I thought you were trying to give advice to people.

My point was that they are all for stealing when it looks like they can't get in trouble for it. No risk. When you rob someone at gun point, you take the risk of going to jail, so yes, balls.

 

[TruePaige]

Originally posted by: Greenman

Originally posted by: TruePaige

Originally posted by: Greenman
I'm astounded that anyone would suggest sticking her with your bills. Don't be a low life maggot and screw up her life, be a man and pay the bill.

And on a side note, looking through this thread we now know who has integrity, and who can never be trusted under any circumstances. To those of you that recommend sticking the ex with the bill, you are everything I hate in people, the only difference between you and a street thug is you don't have the balls to point a gun at someone when you rob them.

Wait wait, you think it takes "balls" to point a gun at someone? Man that sounds retarded.

At first I thought you were trying to give advice to people.

My point was that they are all for stealing when it looks like they can't get in trouble for it. No risk. When you rob someone at gun point, you take the risk of going to jail, so yes, balls.

I just think of them as "Degrees of Stupid" a guy robbing with a gun is just a lot higher on the "Stupid" scale. Though doing it with low risk is still "stupid" cause you might pi$$ someone off and get their "Stupid" up...and then they might make you bloody in a "Stupid" moment.

This is a leading cause of death next to FEMA and Federal Prison.=p

 

[SmoochyTX]

Originally posted by: Krueger81

Originally posted by: Kyteland
Just remember that karma's a bitch. If it's honestly your debt you should make every effort to make good on it instead of saddling her with it.

I am not going to stiff her with my debt.. but yes min. payment until they GTFO of my life...

Sounds like you've been making MOSTLY minimum payments even when she wasn't in your life so whatever.

How much is the balance on the card? How much of that balance do you owe?

Maybe her and her husband are willing to pay off the balance on the card if you sign a promissory note to pay off your part of the balance (to them) in a reasonable amount of time. With your stellar credit, can't you get a loan and do that?

More importantly, why have you been dragging out paying on this card after all this time? Even more importantly, surely you haven't been still been making purchases on this card instead of making them on your own cards correct? If you have been making additional purchases on the card, I find that kinda skeezy.

Edited for clarification.

 

[alrocky]

Originally posted by: SoulAssassin How much money are we talking about here?

This question left unanswered.

Originally posted by: Whoozyerdaddy
It's been implied but nobody has said it yet...

1. NEVER get credit with someone to whom you are not married.
2. NEVER make someone an authorized signer on your card. Always make them a joint on the account so there is liability on their end.

If the OP wanted to he could walk away from this.

:thumbsup:
She was a fool for allowing a BF, the OP as an authorized user.
She was a fool for not clearing up the debt when they broke up.
Her husband was a fool for marrying someone with CC debt, especially one created by his wife's ex-BF.

Is there anything she can legally do to me or my already broken finances

Although she is liable for the debt, she might get a civil judgement against the OP for the debt. If as the OP states his finances are crap, it'd essentially be a worthless judgement.

 

[Krueger81]

I am not going to stick her with the bill. All in all it's my debt and she shouldn't have to pay for it.

I have not used the card for purchases which I have said numerous of times.

I am going to continue making payments on the cards. I just wanted to see if she had any legal prosecution with me still making payments.. which looks like a BIG FAT EFFIN NO...

Thanks
Phil

 

[SoulAssassin]

Originally posted by: Krueger81
I am going to continue making payments on the cards. I just wanted to see if she had any legal prosecution with me still making payments.. which looks like a BIG FAT EFFIN NO...

That is correct...and just because we're curious what's the balance?

Also, one thing that we've neglected to discuss is how much all of this is costing you in finance charges. Since I'm still assuming this is not at 0% right now you're probably hurting yourself just as much as you're hurting her by making minimum payments.

 

[kranky]

Originally posted by: spidey07

Originally posted by: kranky
You know, shame on those who say the OP should stick the ex with the bill simply because it's possible. What is wrong with you people? Don't you have any self-respect? And to say it would be OK to sabotage her mortgage and cost her thousands to "teach her a lesson"? And what would that lesson be, if I might ask?

Taking your name off the account would be a lowlife move. You have no right to screw up her finances. Find a way to get the balance off her account then you can pay it off any way you want. YOU owe the money, and to screw with her mortgage is completely and utterly unjustified.

There are consequences to ones actions. Putting somebody on your account has consequences when you aren't married.

I say make her eat it. It's not his card and it's NOT his problem.

When the ex went batty I immediately got on the horn that same day and canceled all accounts. You have to nip this in the bud.

I see. So as long as someone could weasel out of a debt, and stick someone else with it, then that's what should be done, because that is a possible consequence. Not because it's the right thing to do, but only because there was a way to screw someone else.

Do I understand that right?

 

[Krueger81]

ttt

 

[intogamer]

Post pics for further answers

 

[Krueger81]

*Link Removed*
Post anything like that again and you'll earn yourself and nice vacation.
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