Seeking advice. Ex gf maxed out CC and never payed it.

[InfectedMushroom]

Hey ppl.

I'm seeking some advice on how to deal with this. So here is the story:
I was with an ex gf for about 3 years until about 2 years ago. I had a CC that I was the primary on and I set her as a secondary on it too (yes, yes, I know stupid me). When we broke up she called the CC and changed the address to her address so I would not get any of the statements, plus I forgot all about it since I never used that card. When she left there was no debt on the card. Well she used it to the max (over $6,000) and rarely payed it. That kept messing up my credit, but I didn't really notice since I never made any big purchases until recently. Also recently I was finally contacted by the CC company since she had not payed it in over 6month. Now I am in a really bad situation since the CC company already declared the money lost and I seem to be the one responsible. I tried calling the police to report this, but they said it is a civil matter and to go to the courts. I will do that, but I have to wait another month or 2 untill she gets back in the country.

Anyone got any advice/ideas on what to do so I can get this cleared up and get my credit history cleared up?

 

[DAWeinG]

Of course it's illegal to do that. Go to the justice system, FBI, police, etc. It won't be like it used to but you won't have a debt hanging over your record. Your credit history will be f*cked for a few years.

 

[jlee75]

Sorry to hear about your problems. Geez that really sucks. I guess she took that one song a little too far. (hit em up style). Anyways, you're stuck with the debt. You were both card holders. As for her changing the address, she could have only done this knowing your password/SSN on the card. Since you are the primary, I think it was illegal for her to have the bills forwarded to HER address. Your only recourse in this matter is to take her to court and collect the money from her. If you can prove that she knowingly changed the billing address without you knowing (check and see if the primary card holder's info is needed to do this) and that she intentionally maxed out the cards to screw up your credit, then you can get everything fixed even your credit.

At least IMO, that's the logical thing that should happen. Also, if she was the only one charging up that credit card then your case is stronger. I would be most concerned about getting the credit fixed. The money isn't a big thing (well it sorta is) but your credit history is alot more important. And getting her back is even more

 

Contact Frenchie.

 

[DannyLove]

Kill her

or go to Judge Judy!

danny~!

 

[hoihtah]

sorry to hear that...

but you're really screwed...
get a lawyer. and tend the situation asap.

 

[kev0ut]

JUDGE JUDY!!!

 

[dullard]

<< go to Judge Judy! >>



Judge Judy is for small claims (under $5000). If she got you up to $6000, you would have to ignore that last grand if you took your ex girlfriend to small claims court.

 

[Nitemare]

Make her work it off in services rendered...easily affordable for her and fun for you

 

[Thegonagle]

You've got to sue her. In the mean time, you could ask the CC company to recall the bill from collections and start making payments on the balance. They might or might not be able to do this. You will have a bad mark on your credit reports, but they do allow you to write an explanation next to the account listing. Such an explanation does not help your credit scores, but it helps in cases like car loans and mortgages, where a human is making the decision rather than a computer.

 

[cnwk64]

yep, been there done that.!!
my ex max out my cc once, good think I only have 1000 credit at that time.
after that, I never share my cc with anyone.
unless you have proof that she is using it without your proof. I can't see how you can win the case in court. of couse that is just want I think.

 

[Scrapster]

Sounds like a case for Texas Justice!

 

[Gonad the Barbarian]

I think he'd have a pretty good chance in court. His ex changing the address on the card will look really bad for her. It might even be fraud against the credit company if secondaries aren't allowed to do that. I wouldn't wait to get started on this either, have that summons handed to her the minute she steps foot back in the country.

 

[jjones]

you need some legal advice over this. my guess is regardless of what she did, you're stuck for the bill. i would also look into a company that can professionally assist in restoring your credit rating. there are extenuating circumstances and they'll be able to help you use those to your advantage and possibly even get this removed from your credit history.

 

[tcsenter]

<< I tried calling the police to report this, but they said it is a civil matter and to go to the courts. I will do that, but I have to wait another month or 2 untill she gets back in the country. >>

What a valuable lesson for you, no? Sorry to hear about that, really. But, no police are going to look at this as a crime, simply because there really was no crime committed. You admit giving her the credit card, and she was the secondary (which means nothing). That pretty much makes it entirely a civil issue.

Try to document everything you can, ask the credit card company and any bill collectors POLITELY to send you an itemized list of the purchases, then sue her for the money. Obviously, close the account if its not already. That's all you can do. To get them off your back, start paying something on the bill. Anything, $25 a month, $50 a month, whatever you can afford.

You will probably win in court, but getting her to pay is another matter. You may end-up eating this one.

 

[Emulex]

You're screwed, pay it or you'll be hating (credit-wise) life for 7+ years.

Lesson #1. No amount of pussy, sorry "none", is worth letting a chick on your credit card, even after marriage.

You just learned a VERY HARD lesson. $6000 worth of ass, i hope it was good.

Whats the name of that blue cantrell video???

 

[Ulfwald]

I went through the same situation a few years back. Contact the police again and this time you want to file FRAUD charges against her, do not accept NO for an answer. Next, get a copy of the police report and mail a copy of it to the CC company, send it Certified Return Reciept Requested. Next contact all 3 credit reporting agancies, Equifax, Trans Union, Experion, and have a fraud alert posted at the top of your credit history. You need to also file a civil lawsuit against her, some states small claims is 10K, others its more, or less. Find out about your local laws. If the police will not accept the responsibility of filing the report, the go straight to the local magistrate and file out an arrest warrant.

Do not talk to her at all, let the police show up at her door with the arrest warrant, once in jail, she can get a lawyer and have this whole deal worked out with you, Tell them you will accept nothing less than a letter of apology, her taking FULL responsibility for the debt, and a letter of admission to the CC company. This is war, and it will not be pretty. get it done and do it now.

 

[OutHouse]

Lesson #1. No amount of pussy, sorry "none", is worth letting a chick on your credit card, even after marriage.

Thats bullsh*t, talk about building a wall between you and your spouce.


Hey shroom. I second what ULFwalder said. good luck

 

[royaldank]

Call OJ...he'll tell you how to deal with your ex-girlfriend AND how to get away with it.

 

[tcsenter]

<< I went through the same situation a few years back. Contact the police again and this time you want to file FRAUD charges against her, do not accept NO for an answer. >>

hehe, ain't going to happen. She didn't open the account in his name or make false statements on the application, and she was given free access and use of the card (she even had her own card from what I gather). That means no fraud, but it does mean unjust enrichment (which is based on common law, not criminal law). You can't just march into a police station and start making demands. Well, you can, but they can then toss you out on your ear.

 

[Static911]

good luck man! Probably will be a very time-consuming, possible emotionally draining process


static911

 

[BigSmooth]

I agree with jlee and Gonad. Check with the CC company as far as the rules for changing the address on the account. I would think the primary cardholder would have to be the one to authorize this. You should have cancelled her card immediately, but I hope you don't get screwed over by this.

 

[Ulfwald]

tcsenter:

She changed the address on the account without his knowledge for the purposes of using the card without paying for what she charged on it, this constitutes fraud in my book, and in the CC companies book as well

 

Two words, "wild out".

 

[Phunktion]

This whole situation is gonna leave you with some serious trust issues if it ever gets resolved.. but maybe that'll be more of a good thing than a bad thing..