[Reyna15]

I live in NC and in october my boyfriend and I of 5 years separated and he moved into his own apt.

While he was living with me he worked with me at my business. I am self employed, He did not draw a check he did not recieve cash I just paid the bills from my personal account and if he used his credit card in his name I would pay the bill directly to the credit card company etc. same with chils upoort it was paid from our joint account. I continued this practtice after he moved out because we were "working on reconciling" and I paid his house payment etc from our joint account. He still worked with me and still took no check or cash from the business.

Well last month I received the credit card bill and he has charged over 33,000.00 on his american express and I refused to pay it and he said fine and quit helping me with my business and I have since hired someone to work in his place and he is still not working with me or anywhere else for that matter that I am aware of. . (he charged almost 22,000.00 for jewelery and the rest was work related and some enertaining that he did for his friends and some was a vacation that we took but the large % is his personal use. I totaled the bill and business related expenses is $3500.00.

I even offered to pay any of the vacation expense just to be done with him and he refused my offer. He stated that I would pay the whole amount or he would call AMEX and tell them that he did not authorize them, no this is not a card that was used that has my name on it this is his card that he used and he signed for he just spent way too much and I guess he assumed that I would not cathc it but even if I hadn't of caught it the accountatnt would have seen it. so I do not know what he was thinking.

My question is because i have paid the bill for him in the past am I liable for the whole 33,000.00 I think that I am only liable for the 3500.00 and 1/2 of the vacation that wee took.

The reason that we used his card was we got points on his card and not my visa and mastercard and we would cash them in and use on trips.

Do I need a lawyer to defend me against the credit card company and also can he take me to small claims court on a credit card that he used and signed for the charges himself

I offered to pay to him his child support for February and pay all the gas and any business related materials and he refused this offer also.

[gigirle]

Are you saying that you paid all your bf's bills including child support and you paid them all cuz he worked for you and then he went out and charged 33 grand cuz he thought you would pay it?

Your credit is your credit and his credit is his credit. If the card is only in his name and not yours, then your ex bf is gonna be very sad when he learns that he is responsible for this bill. You will be liable if it's a joint account but not if you are only an authorized user.
Just bc you have paid in the past has NOTHING to do with ownership of the bill. Ownership belongs to the account owner.

even offered to pay any of the vacation expense just to be done with him and he refused my offer. He stated that I would pay the whole amount or he would call AMEX and tell them that he did not authorize them,

So is he attempting to tell you that he will report you for fraudulant use of the card? Let him. AMEX will not be interested in his side of the story and if he thinks hes smart enough to file fraud charges against you with them then AMEX will call you and ask for your side of the story. Once you tell your side and offer up the money you used, you will be fine. What he did was fraud, not you. You have intentions of paying your bill, he doesn't. AMEX will also tell him he has to file a police report so you can also check with the locals to see if one has been filed. You need to Thank God you got the leach out of your world.

[Reyna15]

yes that is right the card is in his name he spent it he signed for it and I am not an authorized user and it is not joint so it is not like I charged it to his account with a card that he gave me., I do not even have a card on his account

[gigirle]

HAHAHAHA
I'm only laughing bc I find it funny that there is actually someone that stupid !

Girl, you have nothing here to worry about. Keep him out of your life before the mother of his children you have been supporting comes after you too! Your not responsible for that either btw.

[Reyna15]

Thank you very much for your help I went to the bank today to check my account that I thought was joint and all he was ever listed as was a authorized signature so I removed him from that also.

[gigirle]

It would be a WONDERFUL idea for you to get a credit report. Cut off ANY joint accounts and get it in writing once cancelled. Cut him off of any authorized use of all your accounts.
IF he is shady here (I wonder cuz it's hard for me to believe he's that dumb, but possible) you will also have proof of what your credit looked like before he goes to town on your credit.
If he has used your credit at ALL, dispute EVERYONE of them, and put a hold on your SS# with the credit reporting agencies so no one can get a NEW card for at least 30 days. He won't be smart enought to realize it's not permanent.
It's easy for anyone who knows a LITTLE bit about you to steal your identity. All he needs to know is your mothers maiden name, your ss# and address, he can intercept a piece of mail and get away with it.

He picked the wrong cc company to mess with, AMEX usually wastes little time collecting their cash.

My 14 yr old did it for a class project last year (with my approval of course) which was only as an experiment. She got the card in my name and got herself as an authourzed user and she was only 14 at the time. She recorded a video while she did it (school project was on identity theft) and got a cc and an A. The bill if she had used it would have been only mine! Its amazing to me how simple it is.

[Reyna15]

thank you for your extra advice. i bet your daughters prject was a real eye opener

[gigirle]

It was as I was a victim of identity theft from a person that I knew. You can have proof positive that it's not your debt but it just doesn't go away that quick it can take months or years. My case was just fraud my total identity wasn't taken) I have a secure password on all of my cc accounts and they can't be used without my calling into the company with the password. The plus side to putting a hold on your ss# via the credit bureau's is the cc companies are not allowed to send "junk mail" to your house. Stopped all those wonderful offers from coming in the mail. It's kind of a pain at times but it's a welcomed inconvienence.
I had a cc with a limit of 11000.00 that I never used, kept for emergencies and only used it one time in 13 months. When the bill came I paid it in full (christmas gift for abt 400.00). 6 months later I got a statement in the mail after work. Opened it to find 5600.00 in charges. I immediatly called, the balance by then was over 13000.00! I was SICK. No one on the other end spoke any English for at least 5 phone calls. It was a nightmare. They closed the account and the CC company opened a new one in my name and put the overdrafts on it and then let the theif continue to use the card! 18,000.00 and about 6 months later the mess is gone and it's not bc they fixed the problem its bc I called them about every 3 days!
Good luck to you !!!

[JLoh1970]

So your single now? Cause I would love for you to be my SugarMama.

[Reyna15]

Thanks but I have learned my lesson... the old saying love is blind is true but I have decided what does not destroy will make me strong.

but hey who knows I'll keep your offer open LOL thanks