A few months ago, my two roommates and I had a third roommate move in. We are all tenants on the lease. She has been continually late with her bills, by at least a month, and didn't pay her deposit until her fifth month here, which I didn't know about.
Anyway, The electric, water, trash, and sewer bills are in my name, and until she moved in, there have been only two late payments in the last four years, neither of which resulted in a Final Notice. Since she moved in, all our bills have been late. I do not have the money to cover her share of the bills unless she pays. Two months ago, I paid electric and water, both on the day before they were to be shut off, and I incurred two overdrafts of $33 each. This wouldn't have been that big a problem, except that she still pays everything late, all the while promising "I'll have it next week," which has never happened. For the past two months now, as a result of the original overdrafts and her refusal to pay, I have amassed eight total overdrafts, four of which went to utilities to keep them from being shut off, two went to gas for my car, one went towards food, and one which was my own fault because I didn't add correctly.
Finally, here is my point:
Two days ago, I demanded this month's bills, last month's bills, and two of the seven total overdrafts caused because I didn't want everyone else's utilities shut off on her account. The letter she left me was disgusting and insulting, and she blatantly refuses to pay last month's bills because "she didn't know about them," which is strange, because they arrive every month, and get posted on the cupboard in the kitchen, where everyone can see. She then went on to say that she's not responsible for my overdrafts, even though they were last-minute "Pay or else" checks written to utility companies.
Now, I'm just about to get my account back into the black, and I want that money! If I hadn't paid the bills, our utilities would be shut off and my credit would still look bad. At this point, even if we are able to claim her deposit, that would only cover about half the damage. I cannot afford food or gas until Friday, and have to borrow money from others, which I hate.
How would I go about suing her for the overdrafts, as well as the unpaid bills?