Once upon a time, a very long time ago, my husband’s family member took out several cell phones in his name. The bill wasn’t paid and went into collections in 2002. After we married and I took on the responsibility of bill payments and credit checks, I found the collections record on his credit report in 2005. At that time, we weren’t making much, living in a tiny apartment, and didn’t have more than $1,000 to pay off the collections debt.
The collections record finally fell off my husband’s credit report in February of 2009 and I assumed we could move on.
Dave Ramsey says collections follow you for the rest of your life.
I didn’t believe him…
Until my husband received 8 phone calls from a collections agency this week.
I told them my husband’s address was correct as listed on his credit report and if they had anything to send us, to send it through the mail because I sure as Hades wasn’t going to give them any information or promises of payment over the phone. Not surprisingly, they didn’t appreciate my response.
This… is when I start banging my head against the wall.