that's the best I could come up with at 2AM serioudly though this isn't about pics its about me being a complete financial wreck 
any other inputs that are productive and that I can reply to wout earning a vacation
any other inputs that are productive and that I can reply to wout earning a vacation
PingSpike
Lifer
- Feb 25, 2004
- 21,758
- 603
- 126
Obviously if its your debt you should pay it off, which you seem to be doing. But if your back is against the wall and you can't really make any more then the minimum payments I don't really see what she expects to happen here...you can't get blood from a stone.
If your credit is ok and you don't have a 0% interest rate anymore (most of those only last for a year right?) then maybe you could get a bank loan or something at a lower interest rate to transfer the debt to your name if you're feeling nice. Of course, I'd be a bit spurned by her approach myself but I don't know all the details either.
If your credit is ok and you don't have a 0% interest rate anymore (most of those only last for a year right?) then maybe you could get a bank loan or something at a lower interest rate to transfer the debt to your name if you're feeling nice. Of course, I'd be a bit spurned by her approach myself but I don't know all the details either.
Uppsala9496
Diamond Member
- Nov 2, 2001
- 5,272
- 19
- 81
The lawyer will just makes threats (and she is paying for him to do so).
She can't do anything. Her name is also on the account so she is liable for credit as are you.
You can go ahead and just keep making minimum payments and she can't do a thing about it. Her only recourse is to pay it off herself to get it off her credit report.
If the balance isn't horrible she might find it a lot easier to just pay it off and get on with her life. An expensive lesson.
She can't do anything. Her name is also on the account so she is liable for credit as are you.
You can go ahead and just keep making minimum payments and she can't do a thing about it. Her only recourse is to pay it off herself to get it off her credit report.
If the balance isn't horrible she might find it a lot easier to just pay it off and get on with her life. An expensive lesson.
Originally posted by: Krueger81
<blockquote>quote:
Originally posted by: SoulAssassin
<blockquote>quote:
Originally posted by: Krueger81
<blockquote>quote:
Originally posted by: SoulAssassin
Legally the balance is at least partially hers. If you want to be a nice guy, call the cc company (you possibly will need her on the phone) to have her name legally removed and the account fully in your name. You will need to qualify for a credit line at least equal to the balance and it's possible they will deny the request if your credit is bad.</blockquote>
I was going to go that route if it weren't for the awesome credit I have
How much money are we talking about here? If your credit is that good then just transfer it to another 0% card. If it's only a few thousand it won't kill your FICO that much.
If you really are just an authorized user and want to be a dick, you can have yourself removed from the account without her permission so only her name is on it.
How would one go about doing that? Just call up the CC and have them take me off.
At that point could she sue me or pursue anything?
She can sue you in small claims court and can win if it is proven the charges were made by you or for things you kept. If I remember correctly, your SS# was provided at the time you were put on as an authorized user.
If you know you made the charges why don't you just transfer the balance that is yours to a new card and let her get on with her life? Everyone knows it takes forever just making minimum payments on a CC.
What the heck is the problem with everyone? It's his debt, yet people are more than willing to stick her with it?
I'd be doing the same thing in her position - trying to get this debt out of my name AS SOON AS POSSIBLE.
Man up, pay the bill and get out of her life.
I'd be doing the same thing in her position - trying to get this debt out of my name AS SOON AS POSSIBLE.
Man up, pay the bill and get out of her life.
Gooberlx2
Lifer
- May 4, 2001
- 15,381
- 6
- 91
This is what you say:
"Suck it bitch! Or I'll just stop making payments and tank your credit! Fuck you and your house!"
edit: Re: the above post ^. It's a joke. It was my impression that his credit isn't all that great and probably wouldn't be able to get approved for another card to transfer the balance. Honestly, if he's making payments and not incurring additional charges, then it's not going to be all that much of a hit to her credit since it shows as consistent payments. Of course, that depends on the amount of debt and how much it affects their overall debt-to-income.
OP, if you can then you certainly should try to get a new card with 0% to transfer the balance. Partly because you're only shooting yourself in the foot paying the higher % past the promotion and also because it will help YOUR credit to show that you can pay a debt on time and consistently. It allows them to get on with their lives and you yours.
"Suck it bitch! Or I'll just stop making payments and tank your credit! Fuck you and your house!"
edit: Re: the above post ^. It's a joke. It was my impression that his credit isn't all that great and probably wouldn't be able to get approved for another card to transfer the balance. Honestly, if he's making payments and not incurring additional charges, then it's not going to be all that much of a hit to her credit since it shows as consistent payments. Of course, that depends on the amount of debt and how much it affects their overall debt-to-income.
OP, if you can then you certainly should try to get a new card with 0% to transfer the balance. Partly because you're only shooting yourself in the foot paying the higher % past the promotion and also because it will help YOUR credit to show that you can pay a debt on time and consistently. It allows them to get on with their lives and you yours.
StageLeft
No Lifer
- Sep 29, 2000
- 70,150
- 5
- 0
You are an authorized user, not primary account holder. It's possible that legally you are not compelled to do anything for it. Certainly paying the minimum is upholding anything on your end. I'd check to see if you are compelled to do ANYTHING and whether it could even hit your credit or see you in court at all. If not, threaten her that she better buzz off or else she gets nothing.
Sounds like her card, her money. Morally you should pay the minimum but if she's going to be a naggy annoyance about it, it seems you may be able to stop paying and let her pound sand, as mentinoed above.
I went to law school for zero days, though, so...
Way to spoil our fun. You're right, though, actually.
Sounds like her card, her money. Morally you should pay the minimum but if she's going to be a naggy annoyance about it, it seems you may be able to stop paying and let her pound sand, as mentinoed above.
I went to law school for zero days, though, so...
Way to spoil our fun. You're right, though, actually.
There's nothing legally they can do to you. Just continue paying on it as you always have and don't say anything to her or her lawyer.
In all fairness to her, she needs that debt removed to qualify for a mortgage. However, that is not your problem nor your obligation to solve.
Continue making payments on the card.
Ignore her and her lawyer.
She signed a legally binding contract with the credit card company. It will probably cost her more in legal fees to find a way out of it than that balance is worth, but then again... that isn't your problem.
Sounds like you got a sweet deal on a naive girl and she's paying the price. Under no conditions should you drop your financial obligation to your debt. If you had any class, you'd transfer the debt to one of your cards if you could get a matching deal. I'm guessing you can't, but you should at least look into it. No sense in screwing up her new life for your inability to manage your own finances, unless there's no better deal out there for you.
In all fairness to her, she needs that debt removed to qualify for a mortgage. However, that is not your problem nor your obligation to solve.
Continue making payments on the card.
Ignore her and her lawyer.
She signed a legally binding contract with the credit card company. It will probably cost her more in legal fees to find a way out of it than that balance is worth, but then again... that isn't your problem.
Sounds like you got a sweet deal on a naive girl and she's paying the price. Under no conditions should you drop your financial obligation to your debt. If you had any class, you'd transfer the debt to one of your cards if you could get a matching deal. I'm guessing you can't, but you should at least look into it. No sense in screwing up her new life for your inability to manage your own finances, unless there's no better deal out there for you.
You could look into getting a loan through prosper.com, so that you could pay off the card and assume responsibility for the debt.
Keep that in mind when you need help and no one is there because its not their problem.
Man up and pay it.
permitting my credit score I have no options to get a loan or another card. the reason I am in this boat i cause I had shitty credit back then and she offered to get me the card. very nice of her but she's become a complete pest about this. Nothing from her for months and then WAM. Lawyer... either way I am paying on it not behind and going to continue paying on it.. nothing else I can do at this point as this is obviously not the only bill I have
Phil
Phil
It's not his card and it's NOT his problem.
Wow, the stupidity in this forum sometimes is amazing. Another quality POS on AT.
I'm all for taking the higher road. But after being through similar stuff (the victim side) if the roles were reversed she would stick it to him.
Turnabout is fair play. Stick her with it.
Sounds like you're no worse than your EX.
Your integrity shouldn't be based on the fact that you got "screwed" once. You should want to be a decent person because it's the right thing to do.
Additionally, yeah, I think he should screw over this woman because YOU had a bad break-up. That's the intelligent thing to do.
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