Roommate Owes Me Money

The problem: you covered rent, utilities, or shared expenses and your roommate hasn't paid you back. The longer it goes on, the more stressful it gets.

Step one: send a clear, written reminder with the exact amount owed and a reasonable deadline. Text is fine — you want a paper trail.

If they acknowledge the debt but can't pay all at once, offer a payment plan. Better to get the money in installments than not at all.

If they ghost or refuse, you may need to escalate. Small claims court handles disputes up to several thousand dollars in most jurisdictions.

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