Honesty is the best policy ping.
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Just to add a little note to the second letter...when writing to the cc company and asking for written confirmation that it has been closed...verify with them that it will be reported to the credit bureaus that the acct was closed at the request of the cc holder not the company
my ex spent more than I could earn. when I got weekend jobs, she spent that, too. our debt was growing by 3-500/month (sounds like the govt). Since my checks were auto-deposited, she would spend the money before I could do anything.
so I opened another account. just in my name. and I had my checks deposited there. I told her what I had done, then announced that her income left her with enough to pay her long distance phone, credit cards, and car payment, with 50 dollars a month left over. she hit the roof! my check gave me enough to pay every thing else, with a surplus of 1.50/month.
that made me a greedy so and so, and eventuallt the marriage failed.
my second wife never asked about my finances, and I didn’t ask about hers. she paid the house expenses, cable TV, fuel oil, and her credit cards, I paid the rest.ah! such sweetness! there was seldom any discussion about money, and there was no tension either.
Only when you Both unlock the box can you see what's inside and you don't agree to spend something from the box unless you both agree on it.
Ask her to help meet the goal of Dave's first BABY step, if only a dollar or a quarter to start with. The key is to get her STARTED.
Oh, and if it is really bad, bolt the box to a beam.
More power to you!
When I was working for a CC company, we were told that it was required by law that we send written confirmation that the account was closed.
Make the same demand when closing a checking account, too. Back in May I thought I’d closed 2 checking accounts (I was restructuring my business start-ups), only to find a few months later that they’d never been closed, when the bank sent notice that I was being charged inactivity fees. So I called up the bank again and demanded that they be closed, and the fees reversed. A month later the account security department at that bank sent notice that they were forcibly closing the accounts due to MY mishandling of them! So I called again, made sure I was speaking to a supervisor, and gave them a piece of my mind. They responded by claiming that I had somehow “misunderstood” and had only imagined demanding that the accounts be closed.
I’m in the process of changing banks before reporting them for attempted fraud. Unfortunately I had several types of accounts with that bank, so it’s taking a bit longer than expected to untangle my finances from them.
It was Associated Bank, if anyone was curious.