Another person has debts on my credit cards. How do I make him pay?
msoldatenko asked:
We were together with my ex boyfriend for several years. I made him an authorized user on two of my credit cards. His debt now is about $25,000. We are not together any more and he keeps paying only minimum payments. How do I make him pay? Since both of the credit cards are under my name, it looks like I have that debt. I trust him, but still want to make sure that I will not end up having to pay his debts. Especially since he has been planning to move back to his country in Latin America next year. What should I do?
Reader Comments
Take him to court.
Not much unless you sue him, but if he has no money you will loses more. You have learned an expensive lesson, don’t let anyone use your credit.
if you can get him to write a note saying he owed you this money or tell him you will take him to court if he don’t pay then get you a lawyer and make him pay for what he has done. And please learn from this mistake that some men’ s only want you for your money not your love. they don’t always have to no what you got in your account because if they do then everything will crumble.
Unless you have a written contract, you probably won’t even be able to sue him successfully. You authorized him to use the card, and you’re responsible for the debt. If he skips, you’re SOL.
If you can convince him to pay more, great. Otherwise, take the minimum payment he’s paying and be glad to get it. In essence you loaned him money without any written agreement. Sometimes that’s called a gift.
And if you haven’t already, remove him as an authorized user so it doesn’t get worse!
I asked basically the same question again for you, check out what people say.
court is the only answer
FIND A GOOD LAWYER
your lawyer will cost at least $1500.
and thats just starting off. it depends on how much time it takes to finish in court.
is $1500 worth it? oh wow! you said $25000 jeez!
I’d hire the lawyer
You need to slow down on the credit too. Sound like the credit card companies baited you Real Good.
First, can you produce copies of his signitures on these purchases?
since he’s bound to the bill, and he’s making payments, I don’t believe there is anything you can do.
the creditors like this situation because they make more intrest. They might not help you at all!
NEVER EVER let your next or any boyfriends share accounts with you. Just learn from this experience and don’t ever do it again, for me, please. thank you
You have a real problem .. you are going to be screwed for sure .. If you can, get him to sign a legal document in front of a notary accepting that the debt is his ..and then hope for the best. If he leaves you may have to just pay it off yourself or file bankruptcy to get out of that..The credit card company does not care who created the debt..YOU allowed him access to your card..you are stuck with it!
If he is just a co user on the card, there is nothing you can do. Perhaps he can get a loan to pay off his portion on what he owes, but I doubt that would happen. I would notify the 3 Credit Bureaus that you want to be notified of any new inquires.
Take him to court. The only way to force payment is with a Civil Lawsuit.