September 7, 2025 at 11:55 pm

Former Roommate Tried To Make Him Pay Their Debts, But His Clever Moves Left The Plan In Ruins

by Benjamin Cottrell

man talking on his iphone

Pexels/Reddit

Trusting someone with a home can be risky, especially when money is involved.

One former roommate tried to pawn off their financial mess onto him, but he effortlessly dodged every creditor call, turning a petty revenge plot into a spectacular failure.

Read on for the full story!

“I have zero intention of paying this debt”

Former roommate fell out with me after I required them to actually pay rent and take care of themselves.

Apparently, their grand revenge plan was to give my phone number to all the creditors they’d defaulted to.

This meant he was soon flooded with unwanted calls.

This means I get calls nearly every day asking for “former roommate” from different banks and lenders.

It’s annoying as heck, and they don’t seem to understand that I neither know nor could care less where the person they’re looking for is.

So he begins to respond defiantly.

I’ve started responding with the line in the title when they ask for the former roommate.

I don’t say anything except, “I have zero intention of paying this debt,” which is true because it is not my debt.

Sometimes he has a little more fun with it.

Occasionally, I follow up with, “You may have to sue to get that money,” which is also true as far as I am aware.

Then I hang up. Sure showed me, bud!

Showed me you’ve defaulted on multiple lines of credit and are now running like heck from them.

Looks like this roommate’s ill advised plan backfired spectacularly.

Reddit is sure to get a kick out of this one.

It may be time to sell out this slimy roommate.

Screenshot 2025 08 14 at 1.21.05 PM Former Roommate Tried To Make Him Pay Their Debts, But His Clever Moves Left The Plan In Ruins

Pettiness only begets more pettiness.

Screenshot 2025 08 14 at 1.21.27 PM Former Roommate Tried To Make Him Pay Their Debts, But His Clever Moves Left The Plan In Ruins

This user has a tip on dealing with calls like these.

Screenshot 2025 08 14 at 1.23.09 PM Former Roommate Tried To Make Him Pay Their Debts, But His Clever Moves Left The Plan In Ruins

Sometimes it takes a while for creditors to finally get their hands on the right person.

Screenshot 2025 08 14 at 1.23.47 PM Former Roommate Tried To Make Him Pay Their Debts, But His Clever Moves Left The Plan In Ruins

His roommate left a trail of chaos, but he made handling it all look easy.

This is not the debtor you’re looking for.

If you liked that post, check out this story about a customer who insists that their credit card works, and finds out that isn’t the case.

Benjamin Cottrell | Assistant Editor, Internet Culture

Benjamin Cottrell is an Assistant Editor and contributing writer at TwistedSifter, specializing in internet culture, viral social dynamics, and the moral complexities of online communities. He brings a highly analytical, editorial voice to his reporting on workplace conflicts, malicious compliance, and interpersonal drama, with a specific focus on nuanced stories that lack an obvious villain.

As a published author of rhetorical criticism, Benjamin leverages his academic background in human communication to dissect and elevate viral social media threads. Instead of simply summarizing events, he provides readers with balanced, deep-dive commentary into why the internet reacts the way it does. In addition to his cultural reporting, he is an experienced fine art photography essayist and video game reviewer.

When he isn’t analyzing the latest viral debates, Benjamin is usually chipping away at his extensive video game backlog, hunting down the best new restaurants, or out exploring the city with a camera in hand.

Connect with Benjamin on Instagram and read more of his essays on Substack.