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What should I do, if my Ex-Boyfriend left me with a overdrawn joint checking account and credit card?

  • Over 2 years ago I was in a relationship with my Ex-Boyfriend who had bad credit due to his divorce and back child support. He needed a checking account since his job only did direct deposit, so agreed to open an account with him. I also had a credit card, where he was an authorized user. Though the checking account was primarily his money, he used the credit card avidly promising to pay the payments, but never did. After the credit card was maxed out, I was left with the bill and interest which accumulated to around $2,000 after not keeping up with my payments after losing my job. Soon after he broke up with me and cut all communication with me and even changed the personal pin of the checking account, so I couldn't close or even get out of the account. Now that account is now overdrawn $400 and the bank is asking me to pay for it. Now I am tired of literally paying for my mistakes, I have paid off the credit card debt, but because legally he was only an authorized user for the credit card and not the primary user I paid it off. But there must be something I can do, for him to pay that off that account since he was primarily using that account and not me. Also to my understanding he is legally responsible too, and I truly want to be over that time of my life. I want to sue him for the money he owes me and the debt he left me with, but I don't know how to start. Or for the matter of fact, I don't know how to find him or what to do or go through for all of that. Or should I just pay it and suck it up, as crappy as that sounds???

  • Answer:

    You said "open an account with him" Was this a joint acct? You states banking laws have governs on types of accts. It can be a "joint tenancy ownership" "joint tenancy with right to survivor ship"or "survivorship only". These thing you need to find out and answer needs to come from the bank. I am not familiar if an "authorized user" acct exist for the check book, like for a credit card. My point is, does he own half of the acct, had signature cards, signed an agreement for terms and conditions with the bank. If he owns equally and he not you initiated the transactions that caused the OD. He can be held 100% liable or 50% liable BASED on your states law. You can sue him for the credit card charges in small claims and throw the bank charges in there to if need be. You see my point here, good luck!

shortjoe... at Yahoo! Answers Visit the source

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Definitely a feminized male. Acting like a woman.

Two words.... JUDGE JUDY

I'd contact the bank immediately and tell them what's happened and ask what can be done. There's no way you should have to pay for it all on your own.

stormyskye77

You need to pay it first of all because if you don't it can damage your credit report. Then, sue the guy in small claims court.

Karl

take his favorite stuffed animal and cover it in ketchup then stab it with a knife and stab that knife/animal set to his bed and light a small pile of trash on fire

lecloakgenie

The reality is: You are going to have to pay this off and chalk it up to experience. The thing is, YOU allowed him to be an authorized user on your card. YOU thought it would be an ok idea to open up a checking account since he couldn't get one in his name. The first red flag should have been that this guy doesn't even care enough about his kids to pay his child support. Why you would think that that is a guy you want to be with is beyond me. To think he wasn't going to do you like he did his ex and the kids is shortsighted. But, now you know, and you won't EVER cosign, open a joint checking or credit card account again, right!? Expensive lesson. You could try to sue him, but you will need to have your ducks in a row and proof that he overdrew the bank account and charged things on the credit card. Even if you win a judgment, this guy seems like the type who could care less what his credit score is, and you would have to figure out a way to garnish his wages or attach a bank account. Since he seems to need girlfriends for a bank account (and believe me, he will find another dumb broad to open accounts for him and let him use credit cards) you might have a hard time getting any money out of him. He is probably the type who will quit jobs when child support catches up to him so he can avoid paying. LOL

Use Your Noodle

Ahhhh... summer love. first, you need to pay it cause you agreed to be liable. The bank and credit card company shouldn't have to eat your mistakes. Second, you should sue the guy... he needs the lesson... and you need the money. Easier said than done, of course, but I would make that my homework and my passion. Small claims would be preferable... watch TV to see what happens... but an attorney would be more effective.... and a lot more expensive. I hope, after all this pain, that you learn a lot about love and money... and why so many couples divorce over it. You NEVER want to be in this boat again

kckid2

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