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Posted by Renee on March 06, 2001 at 04:58:28:

In Reply to: Re: HELP! posted by Jaime on March 05, 2001 at 08:07:58:

He needs to do nothing, but notify the credit reporting agency he uses. You will not be notiied.

As a Landlord, I can ALMOST see where he is coming from. You come to him with stories of mind games, she goes to him with stories of????? At first, he thought you were in the right, but then he gets confused and probably thinks you are both whacko. That's why he is pulling back.

In order to make sure that your credit is not affected, you must make payments until the end of your term or get another roommate. Since another roommate seems to be out of the question, I'm afraid that you are in knee deep. The sad part about it is that your roommate is getting what she wants. Great apartment all to herself.

Make sure that your old roommate does not know your new address. Either do not provide the Post Office with a forwarding address or get a Post Office box and have your mail forwarded there for 6 months until you have a chance to notify everyone of your new mailing.

Check your lease - does it say that the both of you are equally and severally responsible for the rent? That means each of you in the absence of the other roommate is responsible for the entire rent. Your roomie may be evicted for non-payment of rent. Either she or Landlord will try to go after you for all the unpaid rent. She has to know where you are to have you served in a case for money judgment.

If you are sued and get a money judgment against you, it will appear on your credit report. You do have the right to contact the credit reporting agencies to insert a small blurb explaining why this happened. Just state that you were in a situation where you feared for your life and well-being because of the person you were living with and had to extricate yourself from the situation for your own well-being.

It may not be ideal and you may have this on your credit report for a while, but it is better than being driven mad by a psycho. It affects your life, job performance and health to live under such stress. The fact that there is an illegal apartment in the building will affect the person living in that apartment, not the others. However, you could make a subtle suggestion to LL that you are aware that is illegal. Offer to set up a payment plan with him for any balance you will be left owing if you wish to preserve your credit.

Most of all, make sure you have documentation of everything!!! Let me know how everything goes.

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