My girlfriend has $30,000 in credit card debt and $3,000 of debt in an auto loan. Before she moved in with me, she was charging food, rent, etc. to her credit cards because she otherwise couldn't afford to live and pay the minimums. Now that she lives with me, she can still barely afford to pay the minimums. She is either unable or unwilling to accept help from a variety of sources.
I tried to help her get a consolidation loan, but she cannot get one because of some derogatory remarks on her credit report. She refuses to let anyone co-sign with her to get the loan approved. I have offered to pay a all or a larger percentage of the rent and utilities we share. Additionally, I try to pay for meals, groceries, and entertainment. She maintains that is not fair to me, and will not allow it. She refuses to go to her family and friends for help as well. They are not aware of her debt and I don’t think she wants them to know.
I have even tried creative ways to help… I own a rental property which generates about $1,000 a month from tenants. I tried to offer that as payment to her and she can take over the landlord duties. Again, she refused and says that’s not fair to me. She won’t even take a portion of that money for landlord duties.
She still makes occasional purchases on her credit cards for clothing and impulse items. She will never be able to get out of debt without help. She may even have more credit card debt than she has disclosed to me. Anyone been in a similar situation? What should I do?
I tried to help her get a consolidation loan, but she cannot get one because of some derogatory remarks on her credit report. She refuses to let anyone co-sign with her to get the loan approved. I have offered to pay a all or a larger percentage of the rent and utilities we share. Additionally, I try to pay for meals, groceries, and entertainment. She maintains that is not fair to me, and will not allow it. She refuses to go to her family and friends for help as well. They are not aware of her debt and I don’t think she wants them to know.
I have even tried creative ways to help… I own a rental property which generates about $1,000 a month from tenants. I tried to offer that as payment to her and she can take over the landlord duties. Again, she refused and says that’s not fair to me. She won’t even take a portion of that money for landlord duties.
She still makes occasional purchases on her credit cards for clothing and impulse items. She will never be able to get out of debt without help. She may even have more credit card debt than she has disclosed to me. Anyone been in a similar situation? What should I do?
Comment