Yikes. Interesting, your post reminded me of when my mom saddled me with a car debt. We were moving and she wanted to buy our car, but said she couldn't get it refinanced for a few months. Like a sap I trusted her, she took the car and said she would make the payments. She then smashed the car (her fault) and stopped making payments. I didn't find out until it was repossessed as the bills were going to her address. When I confronted her she actually said "well I wasn't going to make payments on a car I couldn't drive". OMG! It was already in collections by then and I paid it off. Thanks for the reminder. Every time I remember something it cements my NC decision