Alright I need advice and I’m sorry this is so long, last summer I was still living with my family and my little sisters boyfriend (he was 17) got kicked out of his house and his car/phone taken . He was working for his families business and tried to quit and his dad kicked him out when he did . So he lived with us for the summer, at the time, being a naive 19 year old and thinking he was trust worthy I got him a bank account with me (like a kids one) because his father had withdrawn everything from his bank account when he got kicked out. I also got him a job at where I worked so commute would be easier , and I went to Verizon and got him a phone (owner of the phone was him but I was the owner of the account). So at this time I had no credit . Things went okay for the summer but once school started back up again his parents wanted him to move back with them and that’s when things went bad . He started acting up at our job and got himself fired , he kept going in the negative in the bank account (biggest he reached was $400) and missing his phone bills . I kept begging him to please keep things straight but it seemed that if his bank was in the positive he didn’t pay his phone bill or if his phone was paid he went into the negative in his bank account . I went through hell just begging him to please be responsible because I was scared , I was getting phone calls from the bank and letters from Verizon stating the negative balances and missed bills . Finally in January he turned 18 . I had him withdrawal the bit of money he had from his account and I closed it down . I made him go to Verizon and pay off the past due bills . So now all that’s left is to transfer the account into his name right ? No apparently not , Verizon said they won’t do it because he has no credit (which makes no sense as I also have no credit) and now I just got letter saying he’s past due on 2 bills I’m so scared I don’t know what to do , I can’t afford to take over the bills , I live in a different state now so I can’t even get the phone from him , him and my sister broke up last week so now he’s not answering me . I don’t want my credit to be affected by this . I never thought I’d be happy having no credit but every day I go and check to make sure it hasn’t been affected . Sorry it’s such a long post I’m just lost as to what to do . I don’t know how to make him pay the bill and they won’t let me get it out of my name . Please help .