Quote:
Originally posted by notcasesensitive
So, I know you are all dying to help me out more with my Credit-Impaired Ex-Husband and resulting credit woes, so here it is:
Bank is saying that they made some efforts to contact me (calls to some number they had on file 6 years ago or whatever) and that the only way this comes off my credit is if I pay off entire amount. I may have a couple of months to do so, we haven't really gone into specifics because I did not agree on the phone that I would do so.
I'm 99% sure that they did not follow the letter of the state fair credit reporting law, which requires the mailing of notice w/i 30 days of putting something on my account. I need t owait to see the letter that they claim they mailed in July that I never received to confirm.
I could also settle the debt with them for less, I'm sure, but a write-off/settled claim will be on my credit for the next 7 years or whatever (I know I can send in a comment, but the effect on my overall score is what matters to this needs-to-rent-an-apartment-soon chick).
I can go after ex and get a judgment, and maybe even garnishment of wages at his new job that is supposed to solve all his credit woes. I'd guess, given the way he spends money as compared to the way he earns money, he'll be able to pay me like $100 per month for the rest of his life. Factor in that he is a smoker, a drinker and has only one kidney (christ).
What do I do? Should I really settle for less and put up with crappy credit that is not my fault? That so goes against my instincts because I hate the idea of being punished for his crappy lifestyle.
Finally, is the break the kneecaps offer still good?
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Have a couple drinks tonight and read this, and pretend it's some friend asking for your advice. This will remove the emotional component, I think. My instinct is to do what rp said and, if nothing else works, to pay up so that your credit is intact and then garnish his wages or consider it a loss and move on or whatever.
I say this mainly because I did a stupid STUPID
STUPID money thing last night for emotional reasons, something that in retrospect I would NEVER have told a friend to do, EVER EVER EVER, and the realtor did not stop me or even caution me and I am now drinking in the middle of the day after being chewed out (justifiably) (and in a friendly, loving way) by my sibling and my boss/work friend) for being so fucking stupid.
But it worked out OK. Or is supposed to. Who knows.
ETA and sorry gwinky. and nfh, I would have gone to the hospital with a friend whose husband wasn't up to it but she gave birth 10 weeks early while we were each on vacation away from the city in which we both lived, so it didn't work out.
