Nicoleisfun
New member
Quick background: My boyfriend and I have an 8 year old daughter together. We split up when she was 2 (after 4 years together, I broke up with him), got back together 8 months ago, which was 6 months after his wife left him. She moved in with her new boyfriend (she'd been cheating) the same day she moved out of their apartment. They are now going through their divorce (both procrastinators).
So I pulled up his credit report (yes, with his permission, he was sitting right next to me) and saw that all his bad marks are her fault. He let her keep their tv that they made monthly payments on, turns out she hasn't paid in 4 months now ($1300 still owed on it). Her car is in his name (she has the worst credit). She's always making late payments. $15,000 is still owed on her car. She said she was going to get some one else to cosign with her on the car but she can't find anyone to help her (have I mentioned she has bad credit problems for a reason?). She has a 9 year old daughter (different father), so she needs the car. At the same time, she's one of those who's myspace is always updated with "gettin HIGHHHHHHHHHH tonite hells yeah" and has a drinking problem. I only know this because when he gets calls from the bank about the car, she won't answer when he calls/texts her about it, so he has to write her on myspace.
My question is, would he be able to get his name switched to her's on the tv? The company is called Conn's and I believe they're closed today. They sent a letter saying that if he just pays 20% of what he owes, they'll accept it. I know that's not good. I already advised him not to let her agree to that. He really has no understanding of how things affect your credit score.
And also, what can he do about the car? We're looking at buying a house down the road and she has 3 years (of late payments) ahead of her, and I'm scared there will be a repo and they will come after him. Another problem is she never pays her toll fees, and every month he gets bills for hundreds of dollars. She owed $1400 in toll fees and paid that in March with her tax return, but now it's adding up again, in his name since the car is registered in his name. Can she get it registered in her name? Even if she can't find a new cosigner?
He's a super nice guy and kind of lazy, so he's not one to chase after anyone for anything. Just the most laid back guy (to a fault) ever. He thinks there's just nothing he can do, except wait till the car is paid off and then wait another 7 years for everything to disappear from his credit report. Other than these two things, his credit is good, he pays his bills. He does get pissed when all her bills come to him, but other than the initial call, doesn't really follow up because he knows she doesn't pay anything (cept her car, though late) and doesn't think he can do anything. Since that's what everyone's told us.
Can stuff like this be handled during the divorce? He was going to have her do everything and just sign it, but should he be lawyered up instead? I have no divorce experience:/
Any help would be great
He doesn't use yahoo answers or talk to anyone but me about his problems... so that's why I'm asking instead of him.
So I pulled up his credit report (yes, with his permission, he was sitting right next to me) and saw that all his bad marks are her fault. He let her keep their tv that they made monthly payments on, turns out she hasn't paid in 4 months now ($1300 still owed on it). Her car is in his name (she has the worst credit). She's always making late payments. $15,000 is still owed on her car. She said she was going to get some one else to cosign with her on the car but she can't find anyone to help her (have I mentioned she has bad credit problems for a reason?). She has a 9 year old daughter (different father), so she needs the car. At the same time, she's one of those who's myspace is always updated with "gettin HIGHHHHHHHHHH tonite hells yeah" and has a drinking problem. I only know this because when he gets calls from the bank about the car, she won't answer when he calls/texts her about it, so he has to write her on myspace.
My question is, would he be able to get his name switched to her's on the tv? The company is called Conn's and I believe they're closed today. They sent a letter saying that if he just pays 20% of what he owes, they'll accept it. I know that's not good. I already advised him not to let her agree to that. He really has no understanding of how things affect your credit score.
And also, what can he do about the car? We're looking at buying a house down the road and she has 3 years (of late payments) ahead of her, and I'm scared there will be a repo and they will come after him. Another problem is she never pays her toll fees, and every month he gets bills for hundreds of dollars. She owed $1400 in toll fees and paid that in March with her tax return, but now it's adding up again, in his name since the car is registered in his name. Can she get it registered in her name? Even if she can't find a new cosigner?
He's a super nice guy and kind of lazy, so he's not one to chase after anyone for anything. Just the most laid back guy (to a fault) ever. He thinks there's just nothing he can do, except wait till the car is paid off and then wait another 7 years for everything to disappear from his credit report. Other than these two things, his credit is good, he pays his bills. He does get pissed when all her bills come to him, but other than the initial call, doesn't really follow up because he knows she doesn't pay anything (cept her car, though late) and doesn't think he can do anything. Since that's what everyone's told us.
Can stuff like this be handled during the divorce? He was going to have her do everything and just sign it, but should he be lawyered up instead? I have no divorce experience:/
Any help would be great
He doesn't use yahoo answers or talk to anyone but me about his problems... so that's why I'm asking instead of him.