Today, a great job I have been wanting to apply for opened for applications. Turns out it requires a clean background with no credit issues. I recently got a notice saying my wife and I are being sued over an unpaid $140 medical bill that she neglected to pay. FML
Collection
Halloween
A failed costume, stolen candy and a very real scare: Halloween, the one night when fear is allowed.
Today, I got a call from the county’s courthouse where I used to live saying I was being sued for fraud and expected in court to defend myself. Apparently, my ex took a loan out in my name and now I get to pay $2300 worth of legal fees and restitution to this loan company. FML
Today, I found out that I owe the IRS money due to my previous job not taking enough taxes out. I am broke, unemployed, and was counting on a big refund so I could pay for my divorce. FML
Today, I went to work feeling great. I'd just paid off my student loans and was planning a trip to see friends in Italy. I left work unemployed because a fraud case I exposed 3 years ago got the company sued for slander. It was thrown out because everything was fact. FML
Today, my husband fell for an online scam leaving us 1450.00 in the negative. We get paid tomorrow and most of our money is going to cover that debt. FML
Today, I got home from working abroad for eight months and opened my post. I'm being taken to court over three parking tickets my mom didn't tell me she'd gotten using my car. If we lose, my credit score is affected for six years. FML
Today, my wife, who has been unemployed for over two years, had a $415k job offer rescinded, all because the hiring manager thinks she might be a Karen (Yes, she is). My job contract ended last month, so we have no income. FML
Today, I got a job, a good job with benefits, a 401(k), and took a lot of work to get this: background check, drug testing, being qualified and I need to pay bills. I can't even be happy because my husband got demoted. It's all about him, and fuck my hard work. FML
Today, I learned I have over $10,000 in debt, despite never owning a credit card. Apparently, my ex-roommate had been replying to the credit card offers I was receiving in the mail. That also explains my missing driver's license a few months back. FML
Today, my power company notified me that one of the payments my husband and I sent last week for our overdue bill had bounced. FML
Today, we had a visit from the bailiffs and police. It turns out my partner has been lying about paying his half of the bills and destroying letters about it. Now I have to find an extra £3k during a cost of living crisis and attend court. This is on top of bailiffs forcefully entering and taking most of our things. FML
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Top comments
Bricktothehead 21
If you pay it post-haste and talk to the parties involved, they may simply drop the suit without it getting into your check.
TheSmartAss10 21
FYL OP, She's ruining both your credit. :/
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Comments (28)
Bricktothehead 21
If you pay it post-haste and talk to the parties involved, they may simply drop the suit without it getting into your check.
beeferjay 34
first of all, medical bills don't appear on credit reports. secondly, if you pay, it drops right off with no record of it ever being there
BlameTheOwls 14
If they're in collections they definitely show up on credit reports.
swampbaby985 30
Unpaid medical bills definitely DO show up on your report...believe me I know..
Toolishing 22
That's stupid.
TheSmartAss10 21
FYL OP, She's ruining both your credit. :/
crazytwinsmom 25
OP is responsible for bills too, not just the wife. Why didn't he take part in paying the bills? He can't complain if he won't participate.
swanheart 35
Presumably because the bill came addressed to his wife and he doesn't routinely open his wife's mail and therefore knew nothing about the bill?
crazytwinsmom 25
Admittedly, we are both making a lot of assumptions, since there isn't much detail in the FML.
Balphleair 24
Women.
mds9986 24
Well is the debt under her and not you?
Tripartita 45
I'm going to go out on a limb and say it's the option that makes this situation an FML. You know, the reason the OP even bothered to put in the detail about needing clean credit.
amourmourant 18
If you're married, your credit "merges" so your spouses credit issues (or lack there of) becomes yours and vice versa.
MandieL 27
I'm not sure that's how it work 15, my husband and I are married, but our credit is our own. It's just if one of us were to have bad credit, and then apply for joint financing on something, we may be denied because one of us has credit issues. But if my husband had the issues, it would not affect me if I were to apply for credit on my own. I'm assuming, in the case of this FML, that the insurance is under OP's name, but the wife was in charge of paying the bill.
RedPillSucks 33
marital debt is joint debt. you do have separate credit scores, however.
beeferjay 34
time for her to become your ex wife. I hope you don't have kids... or you can just pay the damn fine
SecundusSecunda 27
Yes, divorce the (assumed) love of his life because she didn't pay a medical bill
XxDanno316xX 27
Common mate, Dump/divorce/leave them is the go to comment for any relationship mentioned fml. Get used to it.
Lalala579121 28
And then sue her just for good measure.
killmenow03 21
#13 #16 I feel like yall missed the joke here..
Tripartita 45
#6 presented the OP with two options: the painstaking process of divorce (and the effect it would have on potential kids) and "just" paying the fine. Given the wording he used, which option does he actually make sound more appealing—is he legitimately advocating for divorce?
SecundusSecunda 27
I admit defeat I totally missed his joke
beeferjay 34
time for her to become your ex wife. I hope you don't have kids... or you can just pay the damn fine
ThatHorse 15
Posting twice doesn't increase your chances of getting thumbed up you know.
zeffra13 31
Usually if you say the payment notices got lost in the mail, they'll just make you pay a late fee or something. I'm not following how your wife not paying a bill means you're getting sued though, unless you're on the insurance policy together?
yerawizardlizzy 27
Maybe OP means the bill has gone to collections. That can affect your credit score.
KILJOY310 11
Most, again most hospitals don't post delinquent bills on credit anymore. Just so you know.
yerawizardlizzy 27
If it's sent to collection, that can affect your credit score. It happened to me four years ago.
Alexandria79 22
if you don't pay it then they will send it to collection which is reported and out of their hands. this isn't just a delinquent bill. it's a bill that has not been paid and attempts to collect it have not been successful.
arano 29
I feel like a lawsuit is more expensive for them than the actual bill is.