A
female
age
36-40,
anonymous
writes:I just broke up with my boyfriend and if that was stressful and worrying enough now some people around me are saying that he will prob leave me with all the bills. My ex had bad credit ratings so I use to get things out in my name which means that according to contract I have to pay fir everything even though they are not my bills, my ex says he won't leave me to deal with them on my own but he is still hurting so that could change. I'm so worried help!
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male
reader, anonymous, writes (10 March 2011): It is your name on the bill. So today cancel any ongoing service. If your name is on his cable, cell, electricity or whatever bill then cancel it. You are perfectly entitled, because it is *your* service, not his. Cancel any credit card, you don't want to be paying for his "retail therapy".If your ex is *saying* he won't leave you with the bills then make him *show* it.Go and do the paperwork to change the name on those bills, even if you have to fill in the forms youself, get him to sign them, and drag his sorry arse into the shop. Actually, doing most of the work yourself is good -- since then he can't mislead you.Depending how that went your next stop is a lawyer (and you *don't* tell your ex you are doing this). He'll try three broad approaches.Firstly, it's your name on the bill, so you own the goods. It's repo man time. He'll collect the goods for you. You'll sell them and pay down (hopefully most) of the debt. Keeping the credit card, loan and bill statements will help a lot here.Secondly, how did your name get on the bill? We're you misled? Should have the loaning company realised that you were being coerced? This is court time, and you'll end up owing your lawyer a fortune. But hopefully less than repaying the debt.Thirdly, that you were in a defacto relationship, and the goods and debt are common property. That is, since you owned half, you will pay half. The divorce settlement will bind the companies who loaned to the two of you. Sure, you end up paying 50% of the bill, but that's better than paying 100%.The US is a mess with each state having its own consumer law and family law, so you should seek advice from a lawyer rather than rely on Internet opinion.
A
male
reader, CaringGuy +, writes (7 March 2011):
I can imagine that you are very worried. This is something you and he need to talk about ASAP, because basically, if the debt is in your name, you will be the one paying for it.
Talk to him about it ASAP.
Also, please learn from this. Don't put your name on a bill for someone else. You're the one who'll be liable for it.
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