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qaperson6859 | Cosigned with fiance and she just left.. what are my options.. she is threatening not to pay? |
Signed an 8000 loan with fiance to pay for her last semester of school. We are splitting up and she is saying she wont pay for loan... what can i do?
Additional Details
Yes I understand I will be liable. If i raise the money before its due should i just repay it? |
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blameless7
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Wow! What a whore... someone that will screw you money wise is not someone you want to marry. Well, you are not much better for cosigning. Since when do people get loans that require co-signing for school. Ever heard of FAFSA? Apparently not. Check the link below. Well, co-signing means that you are liable. Maybe you should have thought about that first. So since you promised to pay, if she does not then you need to do. It will be an 8k lesson on not co-signing. The other thing you could do is steal her identity, and use it to pay her debts. |
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Brian G
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As co-signer, you are just as much responsible for the loan as she is, even if you got nothing out of it. You can always take her to court to get your money back. If it goes to collections, the creditor will try to get the money out of whoever is easier to get it from.
By not paying, you will mess up your own credit for years, but hers will too, if it's any consolation. |
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Faye H
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If she doesn't make the payments, I would haul her butt into court. I would definitely sue.
It's going to be more than small claims court so you can either go small claims court and collect whatever the maximum in your state is - probably $5,000. - or go ahead and sue her for the entire amount. You might not ever collect a dime from her but you can get a judgment and then make sure that judgment is on her credit report for the next 10 years.
Revenge is sweet. Although getting the money back would be sweeter. |
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loanquest
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Legally, you are co-responsible for the debt. I would contact the lender right away and tell them what has happened and that you want your name removed from the loan...NOW!!!!!!
Make them do it. You do not have to co-sign for other people's debts, that was apriviledge you extended to her.
Get your name off that loan tomorrow!!!!!!!!!!!!!
Also:
Make sure you know where she is going when she leaves. She will have a forwarding address. Check the limit for a small claims action in your county or city. If its below 8k sue her for the 8k. They need a real address to mail the service to her. Whether she gets it or not, if she does not reply or cure the debt she will get a big fat judgement on her credit.
Do not remove the suit until you know on paper that your name was removed from that loan document. Pursue this to the end or you will have credit nightmares due to no fault of your own for a very long time. Trust me she will want you to drop the suit promising to do right on her end. let her find another sponsor.
I once had a roommate while I was in college. We split an apartment close to campus. Both names were on the lease. two months later he disappeared. I went into the leasing office and told them what happened and they released me from the lease and I moved back on campus. Years later I saw him downtown. He had been picked up because a "friend" of his was burgularizing a home and he was there outside waiting in a car. He was let go later but spent a few nights in the pokey and never called or returned to the apartment.
The moral of the story is bad character leeches onto good character and you never know until you are in it but trust me there are ways to get out and I hope you pursue this immediately and get yourself clear of this individual.
You have three things to do tomorrow:
a) contact the lender have your name removed as co-signer
b) contact the school tell them you are being removed from the loan
c) start the civil action and keep it in force until your name is removed from the loan
Best of luck to you. |
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TERRIA
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Actually, I am going through the same situation. If you can't some how take your name off of the lease that would be wonderful and maybe you can talk to the bank or where ever you may have this fiance throught and discuss the situation with them before you do so. Well to be honest if she doesn't pay not only will it hurt you but it will also hurt her just as much but if not more than you. So do you actually think that she is going to allow that to hurt her credit score? |
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Shepherd
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You'd better try to reason with her. You will be stuck with the bill as the primary borrower, and there isn't crap you can do about it if she stops paying on the loan. |
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moonlillies
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It's unsecured so the only choice you have is to pay the loan or suffer the credit consequences. |
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tchem75
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Besides have bad credit for many years not much. I guess you have learned your lesson not to cosign for someone. |
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Msknowitall
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Inform her of what not paying will do to her credit rating in hopes of convincing her to pay. If she doesn't, you are both on the hook for it. (She may be bluffing? I don't know her.)
Frankly, I'd tell her friends and parents. Sometimes shame is the only thing that makes people do the right thing.
If she stops paying, you should pay it. Sucks yes, but the ruined credit will cost far more than $8k if you buy a car with crappy credit (or a house!).
(And I don't think I need to tell you: don't ever ever ever ever cosign for anyone again. Sorry.) |
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nymamiyankee
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you've been screwed..its bad to cosing with anyone but someone who isnt your wife is even worse...try to reason with her .. good luck |
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Jennifer Anne
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Pay it for now.
Get a court order for her to pay it.
She probably wont though.
Good luck. |
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STEVEN F
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The only way to prevent the loan from going into default is to pay it yourself. You may be able to sue her for the payments you make, but collecting may not be easy. They never show that part on the TV court shows. |
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