Ex-roommate never paid rent balance and now I get a letter from collections….

posted 3 years ago in Legal
Post # 3
Member
4220 posts
Honey bee
  • Wedding: August 2013

Can you contact the collections agency and direct them towards her? Was her name on the lease? 

I don’t think you should involve her family. She’s an adult, her debts are not her families’ problem. 

 

Post # 4
Member
3978 posts
Honey bee
  • Wedding: September 2014

@jennygrl070:  I would let the collections agency know that they should be contacting her solely, though technically if the lease was in both your names, I would assume you’re equally responsible for the rent. Sucks, I know. 

Post # 6
Member
843 posts
Busy bee
  • Wedding: May 2014

@jennygrl070:  

I think your best bet is go to the agency and ask for a payment plan if you don’t have the money rather than let it get out of hand with extra fees for nonpayment since they can come after both of you. If you have proof that she owes that amount, take her to magistrate/small claims after it is paid off.

Post # 7
Member
2115 posts
Buzzing bee
  • Wedding: October 2013

I’m kind of confused as to how you could have the money to start looking at buying a house but NOT have the money to take care of this ASAP (and then deal w/ her directly — small claims court?) … yes, this will absolutely affect your credit if it hasn’t already. And, yes, you are legally responsible for the money whether it’s fair or not. In the eyes of the legal system, it’s on your record as much as hers. Whatever you gotta do – take care of it ASAP.

Post # 8
Member
13020 posts
Honey Beekeeper
  • Wedding: June 2011

Unfortunately, you’re responsible since you signed together.  F- it, I’d just contact her family and let them deal with the fall out.  This isn’t your problem.  Better if you have a paper trail to back you up too in case she flips and says she never owed it.

Post # 9
Member
150 posts
Blushing bee

@jennygrl070:  I had a similar situation this past year.

I did not have to pay my roommate’s debt, however. Thankfully, at lease signing we had our parents sign saying that they would pick up the bill if we didn’t pay. (This lease was for a college apartment).

I can’t even IMAGINE if I had to pay for HER stupid decision to not pay her rent. I’m so angry for you!!!

I think you should try to take care of the situation asap by talking with your roommate, offering to pay her debt, and then having her pay you back later. But have this documented (through email conversations, texts) If she also decides to flake on you, you may be able to take her to court… just a guess. Good luck! 🙂

Post # 11
Member
3223 posts
Sugar bee

I think you need to find a way to pay the $1,200 to get this off your credit report, and then take her to small claims court.

I know you said this isn’t possible, but how can you afford a house if you don’t have 1,200 in the bank?

It’s not what you want to be spending moneey on, but it’s the least damaging to you.

Post # 12
Member
57 posts
Worker bee
  • Wedding: November 2014

I’d go to the family and tell them. She has inconvenienced you with so you might as well as inconvenience her/her family.

Maybe she does have the 1,200 in the bank but she needs that money for the downpayment/all the other cost that come with purchasing a house.

 

Post # 13
Member
1992 posts
Buzzing bee
  • Wedding: March 2014

I just bought a house and definitely did not have $1,200 in the bank. What does that matter? It’s not the OP’s debt to repay, even if she had $20K in the bank.

Post # 14
Member
3223 posts
Sugar bee

But there may not be a house to buy if her credit is damaged by having something in active collections.

I agree it isn’t her debt which is why she should sue the deadbeat in small claims.

Post # 15
Member
1992 posts
Buzzing bee
  • Wedding: March 2014

@andielovesj:  Totally agree. I’d document the hell out of all of the attempts you’ve made to contact her, get past copies of your half-rent checks that were paid to the apartment and then take her ass to court. 

I’d tell her- you have 3 business days to get this paid in full, otherwise I’m suing you.

Post # 16
Member
2115 posts
Buzzing bee
  • Wedding: October 2013

@Miss Leopard:  

@jennygrl070:  

I wasn’t really asking; it’s your personal business, and I’m sorry that I offended you. It was just the first thing that popped into my head — this takes precidence over buying a house. This has long-term ramifications that can affect every aspect of your financial future.

 

And whether it is OP’s debt to pay in “reality” or not, it IS her debt to pay legally. There’s no getting around that.

 

OP, I’m glad you were able to track down ex-roommate. I hope she takes care of it pronto.

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