Legal Question in Credit and Debt Law in North Carolina
My ex opened a Best Buy Credit card and helped me purchase a washer, dryer, tv, microwave, and dvd player. I verbally agreed to pay on those items. When he ended the relationship, I stopped paying on those items. The account went to collections and he has obtained counsel. I have agreed to start paying monthly on the account, if he will provide me the mailing address or website and his account number. his lawyer wants me to pay him directly and he will pay on the account.
what should I do?
1 Answer from Attorneys
Were you a co-borrower on the Best Buy account? Or only authorized to use it? Or did the ex purchase these items with you and you were to make payments on this? If you were a co-borrower, then you can be sued by Best Buy and you would make payments to Best Buy. If you were just an authorized user or if the ex helped you make the purchases, then he is liable to Best Buy and is free to cut whatever deals he wants to with Best Buy. And if he wanted to protect his credit then he would have kept paying when you stopped.
In that case, if you owe money then it would be to the ex, not Best Buy. If ex has a lawyer, that means he has paid and is now going to sue you. Unless this was a gift (which it does not sound like it was) then you are liable to pay. In which case I would get something in writing from the attorney spelling out how much you will pay to ex and when. I would also ask for an accounting showing what you charged, what you paid and what the balance now is that you owe.