Reporting someone who's hiding from bad debt?

I have a friend who has bad debt and she has been hiding for close to three years now. She is staying with me and she won't allow me to put her name on the lease as she's scared her creditor...

I have a friend who has bad debt and she has been hiding for close to three years now. She is staying with me and she won't allow me to put her name on the lease as she's scared her creditors will find her. She has done a very good job in staying 'underground' and has nothing in her name... Now, I want to do the right thing and let her creditors know where she is, so they can get their money. The only problem is I don't know who her creditors are ... so how do I report her? Any ideas?
Additional Details
Please don't get me wrong - this person has made my life hell and has used me. I won't go into detail but I am directly affected by this and the only way to clear my name too, is to report her, then I will be clear of something she did to me! I don't expect anybody to understand - it's just something I have to do, to clear my name.

Little Big Boy	your a bloody good freind, would not like to upset you.

SigmundFreud	I don't think her finances are any of your business. Step up to the plate and tell her face to face how you feel. If she wont sign a lease then ask her to leave. But her credit history is none of your business. Back stabbers like you need to have their *** kicked.

carolinexx	Instead why don't you talk to your friend about getting some advice about helping her with the debts rather than just reporting her and getting her into trouble.

General Devious	why would you do that? it's up to her if she's ready to face her debts

teddy	why would you do this, does she owe you money? what you should be doing is finding out why she is in hiding in the first place. And get her to go to an agency that can help people with debt.

referee	Talk to her about them in a roundabout way .... see if she tells you. Tell her your worried in case the dept's come round to the house!

Cedric the Dissonant	^what she said! Some friend you are!!

Studly	With no details, we are forced to "read between the lines". I bet Crazy is on the right track, right? You took out loans and debts in your name only for her? Now she isn't paying you back, right? And your idea is to scare her by reporting her to the credit bureau, so they can notify the creditors and they will come after her for THEIR debts...... Um....good plan. But what about what she owes you? You willing to stand at the back of the line waiting for your money to be paid back? Me thinks you better think your plan through a bit. Take her to court and recover your money. The judgment will appear on her credit reports, and the revenge is complete.

summer	what a good friend you are!!! why allow her to get away with this for 3 years and now decide to drop her in it? she must have p***ed you off do what you should have done in the first place talk to her and allow her to do the right thing

Matthew B	Why would you report her. Unless its a direct effect to you, I would mind my own business.

Crazyjester9	"So, I'm stuck with the person and all of their bad debt. I'm walking on red hot coals to try help this person stay underground, but I can't do it anymore." This is what I don't understand. Unless you were listed as a joint account holder or cosigner, you are not responsible for anyone else's debts. Maybe we need some more details here. As it stands now, my advice would be to simply let this person deal with it on their own, no need for you to get involved.

lucii	She wont be your friend for much longer. There other ways to put on her on the right road

Butternut27	with friends like u..who needs enemies...wow...

SR13	Glad I'm not your friend.

Spartan Mike K	With a friend like you, who needs enemy's. If you really had the problem you say you do with her, you would just have her leave your house. If shes not on the lease then you can have her removed from your house. There is no reason to help her creditors track her down though.

fizzyphoebe	How are you stuck with their bad debt? That doesn't make sense - unless you are letting this person willingly use you. Although it's not a good idea to go around reporting people - I get what you're saying. Honestly, just get her out of your life and move on! Don't take on any more baggage of hers than you already have. About the only thing that will get her 'caught' is if someone applies for credit in her name with her ssn and current address and phone number....

RantingLover	Get her on the lease and let the creditors find her.

alatoruk	unless you know who her creditors are then you are not going to be able to tell them. Unless she has been made bankrupt, in which case she has no need to hide. the easiest way of course would be to put her name on the electoral role (without ticking the "dont put me on the public role" box). She will appear on their radar then, but they will have to be looking for her. It used to be the case that you could only add someone to the electoral role once every 18 months or so, but now you can do rolling voter registration and let the council know at any time. There is a form to be filled in though, so she would know who had told them.

Budlightgurl	Its not your buisness or your debt. Millions of people don't pay their bills. Glad I'm not YOUR friend.

m n	The best thing for you to do is to find out what kind of debts your friend has. Since she has been hiding for a long time maybe she understands the statute of limitations on some of the debts she has for your state. I would recommend the book by Kevin Trudeau called Debt Cures. Once she reads this book she will freely talk to you about her debts. Go to your local library and borrow the book.

angiehen	Kick her out and drop the friendship if she's bring you down. What's done is done. Count it as a lesson learned. Just stop it before it gets worse. I really don't think you can report her though unless the creditors happen to contact you directly.

LISA G	well if u dont know who her creditors are then u cant let them know where she is ...even if u do find out she can CCA every 1 of them and if they dont have her original credit agreement it will be unenforcable in or out of court,,which means they can hassel her all they like..but she wont have to pay a penny..most of the time a creditor doesnt have ur CCA ..its there loss at the end of the day ,,if she it getting to u that much just ask her to leave ure house..sorted!!!

misstigeress	I happen to disagree with most of these people. If she has been hiding for 3 yrs I highly doubt that talking to her is going to make a difference, unless you can talk her into filing bankruptcy. I think you are a good friend you want her to do the right thing, even though she won't on her own. There is one good way to find out who the creditors are, a credit check. You can run one on here. Another way is to contact the 3 major credit bureaus with her name, address, etc... It does concern you since she lives with you. A down side to remember is the calls and letters will be coming to your home as well.

Fiona F	I would think that the best people to report fraud to would be the police. You should also explain that she lives with you so that the debt collectors can swing by your joint house to reclaim their money via some of your most valuable possessions.