How to handle a roommate who never pays their share
List the unpaid amounts, dates, receipts, and prior reminders. Ask for a written repayment plan with specific dates. Keep the conversation calm and private; public shaming rarely collects money.
Protect the household from further exposure: stop fronting optional expenses, keep rent records current, and understand who is liable under the lease. Do not lock the person out, shut off utilities, or seize belongings.
If the debt persists, seek local legal or tenant advice. The right next step depends on whether the person is a co-tenant, subtenant, or occupant.