Reply to How to tell DH bad news--I messed up big time

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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]Did you miss a payment on something? I agree, coming clean is best - and figure out how to avoid it in the future through automated payments etc. If it is a missed payment, you might want to check if they've reported it - I know a lot of places wait 30-45+ days to report. GL.[/quote]

If your financial situation is tenuous and varies from month to month, auto-pay will get you into trouble more often than it will get you out of trouble.  Forgetting to pay a bill is unfortunate but fixable; "bouncing" an auto-pay is quite a more serious thing entirely.

Signed,

A bankruptcy attorney[/quote]

+1.  Lawyer for financial services company here. Even though I use online baking to pay bills, I like having the "float" associated with having to go in and direct payment of the bill.  I can control timing and such.

With respect to OP:  Come clean, apologize, talk about mitigation strategies and move forward. [/quote]

I'm the same way re: auto pay and only have one bill auto deducted (car insurance, for the auto pay discount) but I'm curious why letting an auto pay bounce is worse than just forgetting to pay it?  [/quote]

When you bounce a payment or check your bank will hit you with fees. [/quote]

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