It's hard to rebuild credit...

[glitzyglow]

when you ex keeps fucking it up.

Per the divorce decree, my ex is supposed to either pay off a card that is in my name or make on-time payments on the card until it is paid off. It was for a water heater in our joint home that crapped out and I was the one with the Lowes card.

The payment is $40 a month yet he misses it all the time. I already paid off my half of the bill and I don't want to spend another $300 taking care of his portion of the bill. I just want him to make his fucking payment on-time, for fuck's sake.

/vent.

[emma245]

That is extremely annoying. Its taken me almost 2 years to raise my credit score 100 points after the divorce. Try not to worry and if you can I would say just pay it to be done with it.

[BlueBayou]

I went thru the same thing, im sorry

[naeljun]

I would just pay it and keep track that you are and have him pay you directly for his half. If he doesn't pay you for it, then you can take him to court for it.

[prettyinpearls]

Oct 29, 2012 14:16:13 GMT -5 naeljun said:

I would just pay it and keep track that you are and have him pay you directly for his half. If he doesn't pay you for it, then you can take him to court for it.

Yup, this.

I'd much rather shell out $300 for his half then have my credit affected by it. You know he's not going to pay it...you might as well protect yourself.

[glitzyglow]

How would that work if I paid him and he paid me back? Wouldn't I have to get a lawyer involved? I don't want shell out the money and never see it again because of a verbal contract that has no written backing.

[livinitup]

If you paid off the card, then you'd have proof that YOU paid off the card. The divorce agreement still says that he has to pay half or half on time. If he didn't, then he didn't.

It's not a verbal agreement that you suddenly paid it off and he's paying you back. The amount he owes doesn't change simply becuase you shelled the money out to protect your credit. It just means that instead of owing Lowes directly, he owes you directly. He's already in violation of your agreement by not making on-time payments.

Now, defending that is the tricky part. A judge will see it your way, but that may be a lot of work to get it in front of a judge, for $300.

Is the paperwork in your name? Do you both see it every month? Would he not pay his $40, if he saw that you made an on-time payment? Because I would a least keep ahead by one payment so his radom payments don't appear as late.

And if you are in touch, ask him to sign a contract. Write it out, sign it, notorize it - if he's agreeable and you feel more protected.

[BlueBayou]

I thought you said it was in the divorce decree???

[BlueBayou]

Do NOT pay him
Pay the company and make HIM pay you back

[glitzyglow]

BB, I never had any intention of paying my ex. I would pay the bill and say he could pay me back, but I don't trust him to not pay me back.

It's such a small amount that I don't think it's worth going to court over. I already spent so much while he was off ruining our life and spending money on his whore that it makes me twitch a little to spend another $300 that he is supposed to pay.

[naeljun]

Chances are if he was court ordered to pay the bill and is not, he is in contempt and will most likely have to pay court costs and your attorney fees.

[rose909]

I work with credit everyday. Those late payments take so long to rebuild. If you can afford it, pay it yourself. Regardless if its in a divorce decree or not, your credit is still suffering because of it.

[glitzyglow]

I worked in finance for years and I know this, but the thought of helping him out makes me stabby. I just need to suck it up and do it. *kicks rocks*

[rose909]

Oct 29, 2012 18:28:07 GMT -5 glitzyglow said:

I worked in finance for years and I know this, but the thought of helping him out makes me stabby. I just need to suck it up and do it. *kicks rocks*

I know what you mean...just sucks.