Categories

Content Type

Sources

Swift Justice; Nancy Grace answers your legal questions; Sept. 22

Dear Nancy,

My ex-boyfriend owes me $3,250 for credit card charges he made and never paid for in addition to the 12.24 percent APR interest and court fees, which brings the total to $4,000. The account was under my name, but I allowed him to put his name on the actual credit card. He stopped making payments when he got a new girlfriend. I have a feeling she is encouraging him to stop making payments. I have the credit card statements, a copy of the credit card and a list of payments I have made, since he won't pay. I'm worried that since his name was on the card, I won't have a case. Help me, Nancy! -- Stacey from San Francisco, Calif.

Hi, Stacey,

Here's the problem. You two weren't even married, and you gave him full access to your line of credit. It should be no surprise to you to see who is left holding the bag. Who knows what kind of damage this will do to your credit in the long run? I hope at this point that you have already canceled his card. If not, run -- don't walk -- to the nearest phone and cancel it. That being said, it sounds like your ex-boyfriend has benefited from all of the women in his life taking care of his finances. It's time for him to MAN UP and take some responsibility for his debt! If he doesn't, you're likely to have a case for small claims court.

Dear Nancy,

I have been breeding and selling dogs for 16 years. I want to sue one of my second-time customers for stopping payment on a $750 check for a shiba inu puppy that I sold her. I normally have a strict cash-only policy, but, since I knew her, I gave her a break. She refuses to pay for the dog because she says the puppy threw up the next day and had a lot of worms in its feces. Apparently the puppy also has a level 3 (out of 6) heart murmur. She says she already spent more than $750 to pay for vet bills and surgery. -- Leanne from Lubbock, Texas

Hi, Leanne,

Okay, your customer can't have her cake and eat it too. Before this goes to court, you should tell her that if she wants to keep the dog, then she has to pay the price. If she doesn't want to deal with the money that will be required to take care of the puppy, then she should give the dog back. On a side note, did you include a warranty with the sale of this puppy? Do you offer your customers the opportunity to have the dog checked out by a veterinarian before purchase? If not, you may want to include these kinds of things in the sale of your dogs to keep things simple. Trust me -- things get resolved so much easier without having to go to court!

Dear Nancy,

My childhood best friend owes me $1,200. I had him sign a promissory note saying that he would pay me back. Over the past couple of years, I loaned him money to cover tons of things, including a $600 DUI fine, $400 towards his fantasy football league, and $200 for food and entertainment. Instead of paying me back, all he has done is spend his money on meaningless things like getting his eyebrow pierced. I know for a fact that he has won money from his football league. He agreed to pay me once he got his tax refund check, but, of course, he blew it on partying instead. He claims that he has "paid for things" for me in the past, so we are "even." I'm stuck in a rut, Nancy. What can I do? -- Bill from Buffalo, N.Y.

Hi, Bill,

What can you do? You can take this sorry-excuse-for-a-best-friend to court! You may have had poor judgment when you loaned him all that money, but you were smart enough to get a promissory note as proof. Your "best friend" seems to like fantasy games, but this case is not going to have the same outcome as his fantasy football victory. It seems he does owe you the money, and if he needs the extra cash so badly, tell him to try winning another fantasy football league, because he is not likely to win this case!

(Nancy Grace is a former prosecutor, a best-selling author and the host of CBS' new daytime legal affairs program "Swift Justice with Nancy Grace." Visit www.SwiftJustice.com for more information, local show times and to submit your legal questions to Nancy.)