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Old 10-20-2004, 02:38 PM   #9 (permalink)
aliali
Insane
 
Location: Missouri
Is she not now an ex? You will have no luck transferring the debt (unless you can prove that the charges were never authorized). You should close the account and will probably have to make the payments yourself. There is no likely remedy that will work out better if the interest keeps going up. If you do end up filing a small claims action, you will not get docked for failing to "mitigate" your damages if you make sure the interest doesn't get out of control.

Unless the relationship calls for other action, filing a small claims action is much better than trying to get the stuff. The stuff isn't worth the debt. Give her a deadline to meet your offer to settle the matter (for less than 2,800) and do not waiver from either. Make sure she knows it will cost her more if she does not resolve the matter before you file. File the claim the day your deadline is not met. Most courts will allow you to file the claim for a small fee, will help you with the paperwork and obtain service for almost nothing. The process is fairly simple and there appear to be no facts upon which she can win. You can also get help collecting the debt after judgment. Small claims court can really work in this type of situation.

If you aren't willing to file a claim now, but may want to in the future, do not, ever, never, never, ever give her anything that she can use againt you in the future to prove in anyway that you forgave this debt or that she paid for something else (trip, car payment, insurance, 23 dinners, etc.) in exchange.
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