Would you let this bill go to collections?
Rick was terrible with money. He thought that paying bills was a waste of money so he just didn’t pay them.
Fortunately he just let me handle the money with very little interference.
I made a point of taking a few loans out in both of our names to slowly bring up his horrible credit rating with limited success.
One lender told us, flat out, “Rick has the money but you have the credit,” and approved the loan.
Fnally it was high enough for him to get a credit card in HIS name, with a $500 spending limit.
By the time I saw it, it had a balance due of over $800.00 due to non payment and fees.
I got that cleared up. This was a few years ago.
Anyway, this year, unbeknowst to me he opened a credit card with a credit union we’ve done a lot of business with. It has a balance due of $1,200.
I have called and called, sent in a death certificate etc. Only time I talk to them it’s because I call them. They promise to call, but I never never hear back.
Should I just let it go?
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I would let it go. From what I understand, you are not obligated to pay your spouse’s debts, if they are deceased.
^Are you going to travel back in time, and undo ALL his “wrongs.”
Of course not.
In addition, NEVER feel “bad” for a credit union. EVER…
Don’t need to go back in time. I fixed them when they happened.
Why shouldn’t I feel bad for a credit union, or any other entity, who lent us money in good faith?
Check your credit report. If that CC is not listed on your credit report, let it go. It won’t hit your credit rating. If it is on your credit report, dispute it. It might be that he opened the account using your name as well as his or put you on as a co-signer. My ex did that to me and forged my name on the application. I disputed it and it came off leaving any problems with it to her.
Keep a running list of times you tried to call and got no one or the names of the people you talked with. If they hit a point where they really want their money, they can reach out to you. I don’t know the laws in your city/state concerning marital debt, so they may be able to come after you as well. But if you have a record, even a hand written one, of the dates and times you reached out to them, it will make their case against you a lot weaker. And in the end, they may just write it off rather than go through the headache of fighting to get it from you.
If it’s not in your name also, let it go.
Dutch. Was there any interest, on the loan(s)?...
It wasn’t a loan. It was credit card charges. And yes. There is interest.
I guess I feel like I’ve done every thing I can to proove that he’s not with us.
I never planned to pay it. I just don’t know what looks better in the company’s books. Non payment or rcustomer deceased.
^As far as the books go, I don’t know.
There was no “good faith,” on their part. A Credit Union, just wanted you to owe them money.
It is PRECISELY that greed, that led to the financial crisis in 2008.
They loaned Rick that money.
To me, that was an error in their judgment. They need to charge it, to the game.
We got into debt willingly. They gave us the money assuming we’d pay them back. That is “Good Faith.”
No lending institution can survive if people don’t pay their debts.
As far as the situation with Rick’s credit card. I mailed the info one more time to the email address provided.
It came back as undeliverable.
I quit.
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