aqualunar2
New Member
Hi, I'm new and people seemed helpful so I hope this helps me.
The background:
My boyfriend racked up debt while working full-time. Like most people, he never thought he'd lose the job that eventually made him anti-people. It was night after night of rude and greedy people and now that he's lost the job and has a lot of debt, it doesn't help that he's so depressed. I and his family thinks that he has depression. Most people would get back to work to pay off the debt. He hasn't worked or paid off the debt for more than a year. He's a good hearted person and he's been taken advantage of before financially so he encourages me to have good credit. He's also the loner, independent, doesn't ask for help when he needs it type.
I am in excellent credit. Low quarter to mid 700s. I pay off my debts in full now that I am able. Because I care and because I knew his finances were a bit of a struggle, I put him on my Bank One credit card to purchase gas or a little thing here or there. I tell him to just charge it if he needs to. It's like pulling teeth or twisting an arm.
The problems:
One, since he hadn't been paying his debts, esp. for a year, the creditors are trying to get some money, any money. This particular collector called my parent's house to "leave a message". I, in turn, got the message and called the guy. I was upset that he called my parents, who had nothing to do with my boyfriend. He managed to link the account together and "didn't know the relation" so he called anyway.
Is that harrassment? Doesn't the Fair Debt Collection Practices Act prevent that? I mean, I'm not really related, I'm not family, I'm not his spouse, I'm not authorized to speak on his behalf - financially or otherwise.
Second, a Bank One personnel (collector) called me to tell me that since my BF has on the account and he has neglient accounts, they think it's not fair that he has a debt and then is one another account that he is able to spend on. They want me to pay the debt, close the account and then reopen it.
I told the woman that it was all stupid because I trust him not to go crazy with the card, that 99.9% of all debts are mine, that I've been paying off all the debt recently, they are forcing me to close so that they can cover their liabilities, and I lose my rewards accumulated. I told her it was stupid for each and every thing. At some point, she got upset, raised her voice, and started lecturing me on the how there are some people to max out someone's credit and then that person refuses to pay since it's not theirs, "10 out of 10 people", etc.
I told her I didn't like being lectured to, that I didn't like her raising her voice at me. She argued back, never apologizing for her behavior when I called her on it. She continued to speak over me. I told her that I full well know what I'm getting into and take all resposibilities and she ignored me. We agreed to disagreed - shortly before we hung up on each other.
I don't even know what to consider this. Harrassment of my parents? Of me? What advice can anyone give me?
The background:
My boyfriend racked up debt while working full-time. Like most people, he never thought he'd lose the job that eventually made him anti-people. It was night after night of rude and greedy people and now that he's lost the job and has a lot of debt, it doesn't help that he's so depressed. I and his family thinks that he has depression. Most people would get back to work to pay off the debt. He hasn't worked or paid off the debt for more than a year. He's a good hearted person and he's been taken advantage of before financially so he encourages me to have good credit. He's also the loner, independent, doesn't ask for help when he needs it type.
I am in excellent credit. Low quarter to mid 700s. I pay off my debts in full now that I am able. Because I care and because I knew his finances were a bit of a struggle, I put him on my Bank One credit card to purchase gas or a little thing here or there. I tell him to just charge it if he needs to. It's like pulling teeth or twisting an arm.
The problems:
One, since he hadn't been paying his debts, esp. for a year, the creditors are trying to get some money, any money. This particular collector called my parent's house to "leave a message". I, in turn, got the message and called the guy. I was upset that he called my parents, who had nothing to do with my boyfriend. He managed to link the account together and "didn't know the relation" so he called anyway.
Is that harrassment? Doesn't the Fair Debt Collection Practices Act prevent that? I mean, I'm not really related, I'm not family, I'm not his spouse, I'm not authorized to speak on his behalf - financially or otherwise.
Second, a Bank One personnel (collector) called me to tell me that since my BF has on the account and he has neglient accounts, they think it's not fair that he has a debt and then is one another account that he is able to spend on. They want me to pay the debt, close the account and then reopen it.
I told the woman that it was all stupid because I trust him not to go crazy with the card, that 99.9% of all debts are mine, that I've been paying off all the debt recently, they are forcing me to close so that they can cover their liabilities, and I lose my rewards accumulated. I told her it was stupid for each and every thing. At some point, she got upset, raised her voice, and started lecturing me on the how there are some people to max out someone's credit and then that person refuses to pay since it's not theirs, "10 out of 10 people", etc.
I told her I didn't like being lectured to, that I didn't like her raising her voice at me. She argued back, never apologizing for her behavior when I called her on it. She continued to speak over me. I told her that I full well know what I'm getting into and take all resposibilities and she ignored me. We agreed to disagreed - shortly before we hung up on each other.
I don't even know what to consider this. Harrassment of my parents? Of me? What advice can anyone give me?