No. of Recommendations: 2
Also, Chris, my wife has lived a life that you have no background on. She has had numerous surgeries since her teenage years due to a genetic disease. She is on plenty of medications, sees doctors regularly and has three unpaid bills around $200 from about six years ago, when she was still a teenager in high school. Not bad!!! In addition, her father was laid-off at that time while her mom was at home taking care of her.

Hey, wait a minute--if the unpaid bills are from when she was a teenager, wouldn't her parents have signed as the responsible parties, rather than her? Not to point out the big glaring loophole, but...if she didn't sign anything, and was a minor at the time of treatment (we all know from the movies that minors can't enter into contracts, right?), why is it showing up on her credit report? I think I'd ask the company reporting it to verify that they have a piece of paper with *her* signature on it, saying if the insurance doesn't pay, she will cover the bill. And if they can't verify it, well, then they have to remove it from her credit report.

I think her parents are on the hook for this one, not her. But that's just this mom's opinion. Good luck, and I hope your wife's health improves or at least doesn't deteriorate.

--Booa (not a lawyer, so take it for the free, uninformed advice it is)
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