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By Adios Career / Thursday 26 November 2015 16:27 / United States
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I'm going to go out on a limb and say it's the option that makes this situation an FML. You know, the reason the OP even bothered to put in the detail about needing clean credit.

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I'm not sure that's how it work 15, my husband and I are married, but our credit is our own. It's just if one of us were to have bad credit, and then apply for joint financing on something, we may be denied because one of us has credit issues. But if my husband had the issues, it would not affect me if I were to apply for credit on my own. I'm assuming, in the case of this FML, that the insurance is under OP's name, but the wife was in charge of paying the bill.

Too many negative votes, comment buried. Show the comment

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#6 presented the OP with two options: the painstaking process of divorce (and the effect it would have on potential kids) and "just" paying the fine. Given the wording he used, which option does he actually make sound more appealing—is he legitimately advocating for divorce?

Usually if you say the payment notices got lost in the mail, they'll just make you pay a late fee or something. I'm not following how your wife not paying a bill means you're getting sued though, unless you're on the insurance policy together?

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you can fix that though. a bunch of my medical bills went to collections because my ex-fiancé took ALL our mail when he moved out and threw it away. there was no way for me to call every doctor/insurance/screening facility to find out what I owed. I was able to explain it to someone and they said if I just made payment to the person (not the agency), they'd waive the fees and everything. my credit score hasn't changed one way or another since then.

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if you don't pay it then they will send it to collection which is reported and out of their hands. this isn't just a delinquent bill. it's a bill that has not been paid and attempts to collect it have not been successful.

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