[Harmless Teddy Bear]

After reading through the thread the only thing I have to add is something that will not happen for years yet but you need to be on the lookout for.

When the company writes off the debt in about three years make sure they don't write it off to you.

Had a BoA card that was opened in our name but at an other address. Finally managed to prove we were not using it. It is very tough for them to argue when the card was being used half way around the world and your CO states that you were right there in Germany.

But when they wrote off the debt they sent to notice to the fake address. And of course they sent it to the IRS. Who insisted we pay taxes on it.

Much hilarity followed.

[Theo]

Thanks for that advice. I’ll make sure to confirm that with Discover.