Thank god though that we could at least transfer the balance to a card with 0% interest so at least the minimum payment isn't the $700 or $800 it was before on the card with interest. I don't know what I would have done then. I just hate people sometimes.
I know you are doing all of this in the best interest of your credit, but I hope you are still holding the a$$hole responsible and making him pay. I would rationally ask him what his payment plan is (like $200/month? $300/month) and just write it up and have him sign it. Even sending it in an email with his acknowledgement back might hold up in court. I know it sounds like more stress but that is a serious amount of money and he is needs to man-up about it.
Re: WTF 3/2
Obviously, it's too late now but who lets someone borrow their CC like that?
Hell to the no.