Re: Sister's ex-boyfriend charges unpaid

Posted by CardReport.Com on February 15, 2001 at 22:21:59:

In Reply to: Sister's ex-boyfriend charges unpaid posted by roni Vasquez on February 12, 2001 at 13:23:04:

First, if you are the primary cardholder on this
account, then you are legally responsible for
paying the card issuer for all charges on it. If
the other person is *not* a co-applicant in any
way and was simply an authorized user, then, as
far as I know, he does *not* have any legal liability
to pay the card issuer, even if he made the purchases.

It sounds like you are saying that your sister wants
to sue him? While it does sound like he seriously
misbehaved and caused problems for your sister and
you, going to court might not achieve much more than
a bill from the lawyer. By giving him the card,
you were legally agreeing to cover any and all
charges made by him until you cancel it. Remember
that the legal obligation to pay the debt is from
you to the credit card issuer. The authorized user
most likely did *not* sign any legal agreement to
pay you or to limit his spending, so you wouldn't
have grounds to sue him for violating a non-existant
contract to pay.

Have you contacted the credit card issuer and cancelled
the authorized user card yet? If not, you should
do so *immediately*. You might also want to tell
them why/how the account was charged up, although
you will, of course, still owe the full amount.

It sounds to me like going to court would just cost
more money and agravation.

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