Major Dilemma!~!
So by the time anybody really reads this my decison will be amde but I guess that I need to write this down and/or make some realizations as I write this.
Quite recently I got sick of reading the letters from creditors and throwing them away...so I started to keep them because I know that I am responsible for them (only half when considering Adam's involvement) but regardless it is in my name and I have to take responsibility. I don't want to take Adam to small claims court. I don't have the time, money, energy or need to see him and go through that. So I have to start paying. Right now, no, I can't but I can start keeping the letters and getting ready to pay them starting this summer when I am working in my profession...In conversation with my family and so on they advised me to ensure there is nothing else with my name and Adam's name together.
There is, a joint bank account, in which Adam does hi s regular banking from. So I went to the bank and I asked if I could have my name removed from the account. I can't, the only way they can have the issue resolved is if I close the account. Which would screw over Adam.
So I thought you know what- I am going to close it. Haha for him, man he should have done this months ago and had his shit transferred to a single account and he could have done it easily. But he didn't. But then the lady says to me that because the balance in the account is less then the charges of the monthly plan that I would have to pay to close the account. Luducris...why would I do that? Pay to close it, no!
But an evil angel on my shoulder suggested in my ear, why not close it the day he gets paid and keep the money! $700-$900. That day is tomorrow...Angie told me because she works at the same place. Wow! Well even though he owes me more than what his pay would be, it is honestly the only money I will ever get from him. He has said honeslty the debt is in my name- too bad for me.
Angie is a paralegal so I asked "can i take the money?" she said yes. I have the right to take it, once money is entered into a joint account it becomes the ownership of the people on the joint account. She said this applied even though we haven't been together for 9 months-. Okay so I asked my family...they said I should ask a lawyer and have it on record...So I did, and the lawyer told me that if the bank said that is the only option to get my name off of the account, then I can. I can take the money...but Adam if he chooses can take me to small claims court to try and get it back...But (still talking to the lawyer) if he does, I can prove (try to but I wouldn't be hard she said) that he owes me more...all the bills and so on and so he would end up having to pay me more than I took from the account. The lawyer also said that he could try and charge me with theft and it would be up to the discreation of the police...
Okay now I know that you all are thinking don't do it!! He'll call the police....but would he? There are reports on file of him beating me and other things. If the bank tells him what I did wasn't wrong in thier terms, would he not give it up there? I mean yes he will be pissed but if he has half a brain than wouldn't he let it go knowing if he took it a step farther he may end up owing me more money for all the debts that he knows is there?? People keep telling me that I should inform him somehow, aletter telling him that he nneds to close it whatever, but that is not the point. The number one point has changed from wanting the account out of my name to wanting to get some money and revenge. Although I know that regardless I need the account out of my name...
My family is worried about the physical threat rather than the legal, would he come after me, see me at a bar or follow me at school. I mean the guy is kinda off...
BUt really this may be the only way I will ever get any money, let alone any revenge or anything deserved...for everything that he has done to me. Left me with bills, cheated on me, lied to me, beat me, made me feel so low emotinally that I attempted suciude, locked me in rooms, humilated me, screwed me over in a job, my credit and my life for a while....
And all the time I kept my head high and my mouth shout out of the manythings that iwanted to do I never did. Be it my morals, my passivity or lack of means, but now what the hell do I do???
...And why after all of what he did to me am I feeling the guilt of what this might do to him...(even though I know he has credits cards that he can take the balance off so I am not leaving him with nothing) Please....tell me...I am so confused
Quite recently I got sick of reading the letters from creditors and throwing them away...so I started to keep them because I know that I am responsible for them (only half when considering Adam's involvement) but regardless it is in my name and I have to take responsibility. I don't want to take Adam to small claims court. I don't have the time, money, energy or need to see him and go through that. So I have to start paying. Right now, no, I can't but I can start keeping the letters and getting ready to pay them starting this summer when I am working in my profession...In conversation with my family and so on they advised me to ensure there is nothing else with my name and Adam's name together.
There is, a joint bank account, in which Adam does hi s regular banking from. So I went to the bank and I asked if I could have my name removed from the account. I can't, the only way they can have the issue resolved is if I close the account. Which would screw over Adam.
So I thought you know what- I am going to close it. Haha for him, man he should have done this months ago and had his shit transferred to a single account and he could have done it easily. But he didn't. But then the lady says to me that because the balance in the account is less then the charges of the monthly plan that I would have to pay to close the account. Luducris...why would I do that? Pay to close it, no!
But an evil angel on my shoulder suggested in my ear, why not close it the day he gets paid and keep the money! $700-$900. That day is tomorrow...Angie told me because she works at the same place. Wow! Well even though he owes me more than what his pay would be, it is honestly the only money I will ever get from him. He has said honeslty the debt is in my name- too bad for me.
Angie is a paralegal so I asked "can i take the money?" she said yes. I have the right to take it, once money is entered into a joint account it becomes the ownership of the people on the joint account. She said this applied even though we haven't been together for 9 months-. Okay so I asked my family...they said I should ask a lawyer and have it on record...So I did, and the lawyer told me that if the bank said that is the only option to get my name off of the account, then I can. I can take the money...but Adam if he chooses can take me to small claims court to try and get it back...But (still talking to the lawyer) if he does, I can prove (try to but I wouldn't be hard she said) that he owes me more...all the bills and so on and so he would end up having to pay me more than I took from the account. The lawyer also said that he could try and charge me with theft and it would be up to the discreation of the police...
Okay now I know that you all are thinking don't do it!! He'll call the police....but would he? There are reports on file of him beating me and other things. If the bank tells him what I did wasn't wrong in thier terms, would he not give it up there? I mean yes he will be pissed but if he has half a brain than wouldn't he let it go knowing if he took it a step farther he may end up owing me more money for all the debts that he knows is there?? People keep telling me that I should inform him somehow, aletter telling him that he nneds to close it whatever, but that is not the point. The number one point has changed from wanting the account out of my name to wanting to get some money and revenge. Although I know that regardless I need the account out of my name...
My family is worried about the physical threat rather than the legal, would he come after me, see me at a bar or follow me at school. I mean the guy is kinda off...
BUt really this may be the only way I will ever get any money, let alone any revenge or anything deserved...for everything that he has done to me. Left me with bills, cheated on me, lied to me, beat me, made me feel so low emotinally that I attempted suciude, locked me in rooms, humilated me, screwed me over in a job, my credit and my life for a while....
And all the time I kept my head high and my mouth shout out of the manythings that iwanted to do I never did. Be it my morals, my passivity or lack of means, but now what the hell do I do???
...And why after all of what he did to me am I feeling the guilt of what this might do to him...(even though I know he has credits cards that he can take the balance off so I am not leaving him with nothing) Please....tell me...I am so confused