Legal Question in Credit and Debt Law in Missouri

credit card liability

I let a "friend" use my credit card to purchase some appliances after her divorce. She paid the bill for about 27 months, but still owes $600.00. I have every reason to believe that she will not pay anymore. She is now 2 months in arrears and I am afraid my credit rating will be affected. She is the only one who has used this particular credit card and she is the only one that has been paying on it. Do I have any legal recourse to collect this debt? If not, do I have any legal right to the appliances? Or should I chalk this up to a lesson in bad debt? HELP!!


Asked on 6/09/99, 8:55 pm

1 Answer from Attorneys
Stephen Silverberg Silverberg Law Office

credit card liability

1. You have to pay the credit card company. Period.

2. If you want to get the money from your "friend" you have to sue her in small claims court. One the one hand, she won't be a friend anymore. On the other hand, she's not much of a friend now, either, if she's stiffing you for the bill for her stuff.

3. And it IS her stuff, not yours. Only way you can get it from her is if she's willing to give it to you so you'll stop bugging her about the bill.

THE MORAL: NO GOOD DEED GOES UNPUNISHED.

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Answered on 6/15/99, 10:05 pm


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