Legal/Moral issue
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No Ants Drift Member
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Legal/Moral issue
[cliffnotes]
some of you may remember my ex g/f amber... if you do... im sorry. but anyways, i had bought her an engagement ring against my will in hopes for our relationship to get better at the time. it didnt. we split up. i kept the ring and later ditched it... i hadnt paid on the account for quite sometime now and it has hurt both our credits (she cosigned for it). well, she paid off the account (without telling me) and now expects me to pay her for it. [/cliffnotes]
heres the emails
from her to me:
Taylor,
Because you were unable to get back to me in time to clear this up I had to settle the account myself. I’m really not sure why you chose not to call me when I gave you two numbers to reach me at so we could have discussed this further before I paid it off. Anyways, the balance on the account was $2,185.49. I was able to speak with one of the advisors and he offered a settlement of half which totaled $1,092.75 which I paid in full. I am trying to move on with my life and build back up the credit which has now beeb destroyed due to this way over due account. The last known address the Financial company had for you was the Crescent Loop Circle, so you have obviously not been in touch with them for quite awhile. Anyways, you should be happy to know that now that the account is settled it will begin to repair both of our credit. But of course you know that I have no intention of paying over a thousand dollars for a debt that is yours without you reimbursing me. I am willing to set up a deal for which you can pay me monthly or if you are able, 2 or three large payments over time. I do not intend to try to charge you interest, it is not about money. I am not trying to rip you off in any way shape or form. I just want to get the money I generously paid for a debt that was not mine. If you would like to call me and we discuss this matter that is fine, or if you would rather stick to email that is fine too. But this does need to get resolved and I trust that you will be a respectable adult about the situation and work something out with me. If you do not chose to settle this matter with me, I will have to be forced to take legal action. At that time not only would you owe the debt but also the court costs as well as my lawyer fees. Not to say that you would try to leave this debt on my shoulders, because I don’t believe you are that type of person. But I just want to let you know that I will not just stand by and let over a thousand dollars of my hard earned money go to a debt that was never mine. The company that was dealing with the debt is XXXXXXXX LLC. The number is 1-888-XXXXXX or 1-XXXXXXXXX. The account number is XXXXXXXXX. This way you can call and confirm that all I have told you is not false. Like I said, however you want to set it up is fine with me. If you can send me $100 a month or whatever. I don’t want to try to hurt you financially, because I know how it is…believe me. It really sucks to have so much debt and no money to send. But I am sure this will not be a problem now that you are a successful business owner. Well, let me know what you want to work out. I am open to any way you want to settle this.
Sincerely, Amber Brussell
and then my reply:
Well shit. i didnt call b/c i didnt feel it was
necessary. i figured everything could be settled via
email. im extremely busy throughout the day and am
already inundated with a steady stream of phone calls.
i had intent to settle the account when i was ready
to, BUT, what i didnt do was request you to pay off
the balance. i understand your sence of urgency, but
there really was no recourse they could have persued.
and in all honesty (not that i am like that) but you
also have no legal recourse against me for collection
b/c you were also a name on the account and i had NOT
asked you to pay off the amount on your own. legally,
it was BOTH our responsabilities. but like i said, you
know im not some asshole. sure my work may make me
money, but it also costs an assinine amount to stay
aloof. and BTW, you never settle for their first
offer, you can always bargain more. they buy those
accounts for pennies on the dollar. as long as they
see profit, theyre happy. in all reality, they
probably bought the account for $218.5x. I also
understand your unwillingness to relinquish your 'hard
earned money' for my problems. i completely
understand. thats why i never requested for you to do
what you did.. i dont believe it was up to you though
to settle the debt without first consulting me. and
since the debt was OURS (as you and i both know i
didnt actually want to buy the ring - i was hoping it
would help our already hurt relationship)i feel it
only fair if we split the debt. im sure this will
anger you, but how am i supposed to accept the fact
that you paid for something and then told me to pay
you without first talking baout it? im trying to
assess the situation. i didnt even want to buy the
damned ring. so like i said. i suggest we split the
debt, settle our losses and consider it a lesson
learned.
taylor
am i really wrong? i know its kinda dick, but if you knew the hsit she put me through (and john!), then you'd realize why im not about to give her a grand!
some of you may remember my ex g/f amber... if you do... im sorry. but anyways, i had bought her an engagement ring against my will in hopes for our relationship to get better at the time. it didnt. we split up. i kept the ring and later ditched it... i hadnt paid on the account for quite sometime now and it has hurt both our credits (she cosigned for it). well, she paid off the account (without telling me) and now expects me to pay her for it. [/cliffnotes]
heres the emails
from her to me:
Taylor,
Because you were unable to get back to me in time to clear this up I had to settle the account myself. I’m really not sure why you chose not to call me when I gave you two numbers to reach me at so we could have discussed this further before I paid it off. Anyways, the balance on the account was $2,185.49. I was able to speak with one of the advisors and he offered a settlement of half which totaled $1,092.75 which I paid in full. I am trying to move on with my life and build back up the credit which has now beeb destroyed due to this way over due account. The last known address the Financial company had for you was the Crescent Loop Circle, so you have obviously not been in touch with them for quite awhile. Anyways, you should be happy to know that now that the account is settled it will begin to repair both of our credit. But of course you know that I have no intention of paying over a thousand dollars for a debt that is yours without you reimbursing me. I am willing to set up a deal for which you can pay me monthly or if you are able, 2 or three large payments over time. I do not intend to try to charge you interest, it is not about money. I am not trying to rip you off in any way shape or form. I just want to get the money I generously paid for a debt that was not mine. If you would like to call me and we discuss this matter that is fine, or if you would rather stick to email that is fine too. But this does need to get resolved and I trust that you will be a respectable adult about the situation and work something out with me. If you do not chose to settle this matter with me, I will have to be forced to take legal action. At that time not only would you owe the debt but also the court costs as well as my lawyer fees. Not to say that you would try to leave this debt on my shoulders, because I don’t believe you are that type of person. But I just want to let you know that I will not just stand by and let over a thousand dollars of my hard earned money go to a debt that was never mine. The company that was dealing with the debt is XXXXXXXX LLC. The number is 1-888-XXXXXX or 1-XXXXXXXXX. The account number is XXXXXXXXX. This way you can call and confirm that all I have told you is not false. Like I said, however you want to set it up is fine with me. If you can send me $100 a month or whatever. I don’t want to try to hurt you financially, because I know how it is…believe me. It really sucks to have so much debt and no money to send. But I am sure this will not be a problem now that you are a successful business owner. Well, let me know what you want to work out. I am open to any way you want to settle this.
Sincerely, Amber Brussell
and then my reply:
Well shit. i didnt call b/c i didnt feel it was
necessary. i figured everything could be settled via
email. im extremely busy throughout the day and am
already inundated with a steady stream of phone calls.
i had intent to settle the account when i was ready
to, BUT, what i didnt do was request you to pay off
the balance. i understand your sence of urgency, but
there really was no recourse they could have persued.
and in all honesty (not that i am like that) but you
also have no legal recourse against me for collection
b/c you were also a name on the account and i had NOT
asked you to pay off the amount on your own. legally,
it was BOTH our responsabilities. but like i said, you
know im not some asshole. sure my work may make me
money, but it also costs an assinine amount to stay
aloof. and BTW, you never settle for their first
offer, you can always bargain more. they buy those
accounts for pennies on the dollar. as long as they
see profit, theyre happy. in all reality, they
probably bought the account for $218.5x. I also
understand your unwillingness to relinquish your 'hard
earned money' for my problems. i completely
understand. thats why i never requested for you to do
what you did.. i dont believe it was up to you though
to settle the debt without first consulting me. and
since the debt was OURS (as you and i both know i
didnt actually want to buy the ring - i was hoping it
would help our already hurt relationship)i feel it
only fair if we split the debt. im sure this will
anger you, but how am i supposed to accept the fact
that you paid for something and then told me to pay
you without first talking baout it? im trying to
assess the situation. i didnt even want to buy the
damned ring. so like i said. i suggest we split the
debt, settle our losses and consider it a lesson
learned.
taylor
am i really wrong? i know its kinda dick, but if you knew the hsit she put me through (and john!), then you'd realize why im not about to give her a grand!
__________________
RIP Tim. i miss you, buddy
RIP Tim. i miss you, buddy
drives euro trash
Joined: Jun 2000
Posts: 7,036
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Originally Posted by Maite
You guys broke up. You kept the ring. You failed to make payments on it. I think you should find a way to settle with her and pay her back, before things get even worse.
Taylor...depends on whose idea it was to take out a loan for a ring. Since both of you were on the account, sounds to me like it was a joint decision to buy this ring. Therefore I think your offer of paying half is quite fair. Both had equal parts in this decision, so both should share this expense. There is no legal issue here. It is all about being moral/ethical and doing what is right.
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Senior Member
Joined: Jun 2000
Posts: 2,649
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Originally Posted by Alan
sounds to me like it was a joint decision to buy this ring. Therefore I think your offer of paying half is quite fair. Both had equal parts in this decision, so both should share this expense. There is no legal issue here. It is all about being moral/ethical and doing what is right.
__________________
92' Nissan 240sx
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08' Tundra
Sodalime is good.
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Taylor...
I think the paying half thing is the best solution, but then again I am not a judge. I did however stay at a Holiday Inn lastnight.
I think the paying half thing is the best solution, but then again I am not a judge. I did however stay at a Holiday Inn lastnight.
__________________
Joe
Socialized Medicine?
Joe
Originally Posted by President Abraham Lincoln
America will never be destroyed from the outside. If we falter and lose our freedoms, it will be because we destroyed ourselves.
Socialized Medicine?
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Me angry, you cry
Joined: Sep 2000
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I agree with paying half. You are being more fair than a lot of people would. Both of your names were on the account so I doubt she will be able to take any action against you. (however, like Joe, I'm no judge...but I did sleep on my couch last night. 
)
Just make sure that if you do pay her have make it traceable. Pay her with a check and have her sign something saying that you paid her. I'm seen to many Judge Judy shows to know not to ever have proof.
) Just make sure that if you do pay her have make it traceable. Pay her with a check and have her sign something saying that you paid her. I'm seen to many Judge Judy shows to know not to ever have proof.
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Emeritus
Joined: Nov 2002
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Originally Posted by Maite
Alan, if you want to talk to me, feel free to PM me. Otherwise, please leave personal ex family business regarding your brother and I out of this thread. I don't think anyone appreciates it.
