Texas SOT

Debt owed... how to collect

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  • Fishkiller

    TGT Addict
    Rating - 100%
    7   0   0
    Jul 22, 2019
    4,625
    96
    Frederickburg
    I see two things that went sideways.

    1. SD used card privilege for things that were not intended.

    2. Wife did not look at charges on the card

    Hard lessons for both as I am sure the SD is now looking for $$ since the honey pot is now empty. You and Wife have a large bill to pay. Use that information to make better decisions in life and move on.
     

    Axxe55

    Retiretgtshit stirrer
    Rating - 0%
    0   0   0
    Dec 15, 2019
    47,021
    96
    Lost in East Texas Elhart Texas
    Write it off and walk away. chalk it up to an expensive lesson learned. If she hasn't made an attempt by now to pay back the money, it probably ain't going to happen.

    Forget about, since this is your wife's daughter. All it will do is cause more friction between you and your wife. It's not a problem you can solve. Plus, is the card in your name, or your wife's name? Because if it's in her name, it's her problem, not yours. She did let her borrow the card, didn't she?
     

    baboon

    TGT Addict
    Rating - 100%
    4   0   0
    May 6, 2008
    22,447
    96
    Out here by the lake!
    Shortly after the wife & I got married her mom asked the wife about some money to buy her dad a fishing boat. The wife had some money in CD's for school. This money was the wife's & no one else.

    So my wife tells me about her moms request. My response was WTF aint they got their own money for shit like this? Don't they know boats are holes in water you throw money in? Then I told the wife if you do it you need a contract. Your are going to loose intrest & eat a penalty so your mom need to also pay you back for that. The wife agreed & we wrote a contract up.

    He mom blew her top! All of a sudden I was money grabbing pos & trying to get at the wifes school money. When her money told the old man he was an even bigger iiot about it. The both warned the wife not comingle funds. I think that was the very first time I called both her parents petty cheap phucs to their faces. I also told them if they could not agree then they had no plans in paying back the so called loan. That's when it was revealed they felt they were owed this!
     

    TexasRedneck

    1911 Nut
    Lifetime Member
    Rating - 100%
    9   0   0
    Jan 23, 2009
    14,560
    96
    New Braunfels, TX
    Write it off - if the CC company isn't going to go to bat for you, no one else is going to. I'd ensure that she's written out of any will, also. Have a SD with a similar attitude - she's specifically named in the will, and noted that she got her inheritance when she refused to repay a $500 loan because "y'all are rich". We still get skip-tracers calling for her......
     

    Oldbluered

    Active Member
    Rating - 100%
    1   0   0
    Oct 18, 2019
    254
    26
    Bastrop area
    plus 1 for trying to get the credit card company to remove charges. Talk to the fraud department, file a police report. Knowing the offender and having real proof they did it might clear your liability. Threat of criminal charges might be all thats needed. I don't have kids yet but I'd want to kick my sons ass if he did something like that. If nothing else completely cut them off/out. Thieves piss me off, got 1 brother and 2 step sisters that have burned through what would be "our" inheritance.
     

    Axxe55

    Retiretgtshit stirrer
    Rating - 0%
    0   0   0
    Dec 15, 2019
    47,021
    96
    Lost in East Texas Elhart Texas
    IF the mother gave the daughter the credit card, and she didn't keep track of the purchases, that's on her and doubt the credit card company will consider them fraud charges, and I doubt that LE will file any charges against the daughter.

    IMO, this is as much the mother's fault as the daughter's fault. I speak from experience from my second ex-wife's daughter doing some similar things with our finances. I still consider her the step-daughter from hell! I cut her off early when I figured out the game plan. Caused a lot of tension in our marriage. Some of the underlying reasons we ended up divorcing. Nine times out of ten, the mother is going to come running to the daughter's aid, and defense, and will make all sorts of excuses for her.

    My best advice, if you are not considering a divorce, separate your finances so that you can make sure the necessary bills are being paid and not dependent upon what the wife is doing to help her daughter. I'd also talk to a lawyer about protecting yourself legally. One of the biggest causes of divorce is over money. Be damn careful you don't end being bled dry.
     

    sidebite252

    TGT Addict
    Rating - 0%
    0   0   0
    Mar 26, 2013
    3,015
    96
    Lake Texoma
    Write the loss off and shut it down. She’s your SD. See if she pays it back or walks away from it. This would guide my future interaction with her.

    Over the year I have a hard rule. I don’t loan money that I’m not prepared to never see it again. I know in this case it was a credit card but I’ve had several in the past that borrowed money and never paid me back. I’ve a a couple who actually did but most never paid their debt and al the non payers stopped communicating with me at some point as well. Amazing how some people are.
     
    Every Day Man
    Tyrant

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