Re: I'm in total over-emotional freak out mode!

[Guest guest]

$16 is a paltry amount to satisfy any issues that come up with you own credit

from here on out. Considering what she could have done, this is a cheap lesson

for you to learn about sticking your neck (or your credit) out for her. I would

pay it and not contact her.

You are probably wondering if there are any other agreements out there where you

might have co-signed for her. I hope not.

Although you may feel attacked right now, keep your cool and remember this she

didn't do this to YOU, she's just being her irresponsible self.

If there are any other agreements out there you have co-signed, you might want

to talk to a lawyer to find out how you can get your name removed. This all can

be done without you having to contact nada.

If you think nada would have the audacity to use your SSN, then putting a credit

lock on your credit at the main credit reporting agencies would be a good idea.

>

> Hello,

>

> I just got smacked in the head with the emotional equivalent of a lemon

> wrapped around a gold brick. I have been NC with nada for 19 months. Prior

> to the NC I had assumed liability for her TV bill in the event that she did

> not pay. I knew she was irresponsible but the liability was low (money

> wise) and she had never blown me off when money was concerned. I had no

> idea that we would be NC. Several months after gong NC she cancelled the

> provider and went with another. That was in May of 10. I just received a

> letter from a collections agency today that she never paid the final bill

> (the bills went to her so I never saw it). The amount is low 16.05 and it's

> going to impact my credit whether it's paid or not at this point. I had

> resolved to hold nada responsible for her actions from the point of NC

> though.

>

> I am freaking out at the idea of contacting her about paying this bill. I

> also feel like if I pay it that it gives her free reign to charge things to

> me (being my nada she has my SSN and all my other info) and know that I will

> pay them to avoid dealing with her.

>

> Emotionally, I am a wreck. I have been beginning to feel in control of my

> nada-free life. This throws me into feeling out of control. When I thought

> that I had a handle on all the BS it comes back out of nowhere.

>

> BB

>

>

>

[Guest guest]

I agree: pay the $16 and just accept it a learning experience that you're not

going to repeat. You're lucky its such a very cheap lesson, IMHO!

You can also get your credit card company to issue you a new credit card number.

Tell them that your suspect possible identity theft, or that you lost the card

(whatever) and they will issue you a new number. Make sure the credit card

company knows that you are the only authorized user of the card.

That's a good idea about doing a lock-down RE the credit reporting agencies. I

have no idea if its possible for you to have a new SSN issued, but it might be

worth looking into.

-Annie

> >

> > Hello,

> >

> > I just got smacked in the head with the emotional equivalent of a lemon

> > wrapped around a gold brick. I have been NC with nada for 19 months. Prior

> > to the NC I had assumed liability for her TV bill in the event that she did

> > not pay. I knew she was irresponsible but the liability was low (money

> > wise) and she had never blown me off when money was concerned. I had no

> > idea that we would be NC. Several months after gong NC she cancelled the

> > provider and went with another. That was in May of 10. I just received a

> > letter from a collections agency today that she never paid the final bill

> > (the bills went to her so I never saw it). The amount is low 16.05 and it's

> > going to impact my credit whether it's paid or not at this point. I had

> > resolved to hold nada responsible for her actions from the point of NC

> > though.

> >

> > I am freaking out at the idea of contacting her about paying this bill. I

> > also feel like if I pay it that it gives her free reign to charge things to

> > me (being my nada she has my SSN and all my other info) and know that I will

> > pay them to avoid dealing with her.

> >

> > Emotionally, I am a wreck. I have been beginning to feel in control of my

> > nada-free life. This throws me into feeling out of control. When I thought

> > that I had a handle on all the BS it comes back out of nowhere.

> >

> > BB

> >

> >

> >