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
Fall
Dead leaves, the first cold of the season and an umbrella flipped inside out: fall, the season of grace.
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Today, my wife, who has been unemployed for over two years, had a $415k job offer rescinded, all because the hiring manager thinks she might be a Karen (Yes, she is).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)
wanderer_alone 8
Apply anyway
Zanquis 22
Usually these requirements are just to make sure you can not be blackmailed and a small bill like this is not something anyone can blackmail you over, contact the other party over the bill pay it and apply for your job despite this FML showing you would break under blackmailing..
primadonna9396 16
I've never heard of a job giving a **** about your credit rating. Is that legal? If it is a regular thing that happens, why? Not trying to be an ass, I'm legitimately confused.
gotta_respond 10
yeah, definitely apply. i don't know if this is true, but i've heard that medical debts don't hit your credit report.
jerbear91 18
iv never heard of getting sued over a medical bill
poorjudgement 26
You can be sued for any unpaid bill, as long as they have the paperwork.
more4me 27
I have never heard of getting sued over a medical bill THAT small. That's ridiculous !
punchin 10
I've heard of bills going to collections, but never being sued for it.
GhostFox 34
Considering that it is nigh impossible to have "perfect" credit- as in no issues at all, ever- I think the company just means above average credit. If it's that major of a concern, call to pay the bill and explain that the notice was the first you received and the lack of an earlier written or vocal request for payment caused you both to assume that the bill had been covered in full by your insurance. You can also ask if they would be willing to negotiate to remove the bill from your credit report via a "goodwill adjustment." You could use the rest of your credit history (which sounds like it was nearly perfect prior to your wife's mistake) as evidence to support your request for a goodwill adjustment, as it would who that you do not have a history of being late on payments or refusing to make payments. If you and your wife frequently go to the medical center that the bill is from, you can use your patronage there as further support. Hope something I said helps OP-you even see this comment, that is- and good luck on the job.
MandieL 27
How is it neigh impossible to have perfect credit?
Alexandria79 22
pay it ASAP and you might be ok. Speak to them and apologize for overlooking it.
CoupeDeAce 6
Bills are overrated.
DrHothead 15
Pretty sure something better will be waiting for you soon enough.
crazytwinsmom 25
Paying the bills should be a joint responsibility in a marriage. If you don't participate, then don't complain if something gets missed.
swanheart 35
There's nothing in the fml that says the op refused to even look at a bill and left everything to his poor beleaguered wife which is what you seem to have interpreted it as saying? The wife could have deliberately hidden the bill from him or told him she's paid it or genuinely forgotten to pay - we can't tell from the info in the fml.
LMAO__no 15
it could even be an error in reporting as well. if the wife did pay the bill but it was slightly after being sent to collections, they'll sometimes report it before the payment arrives
crazytwinsmom 25
Admittedly, we are both making a lot of assumptions, since there isn't much detail in the FML.
confused_wandere 26
Ah the joys of non-universal health care.