My wife had an almost $3000 balance with a finance company that she just didn't pay because of extra fees that they kept charging her after she closed the account. To make a long story short, this was one of those sub prime credit card companies who charged you monthly fees, as well as annual fees. Even after my wife closed this account, the company kept charging her fees, telling her that she still owed them a balance, that grew over 3 years to $3,000. What a nightmare.
The company found her or should I say us and told her that they would put a lien against our house if she didn't pay the bill. What I am upset about is that I was not the authorized user, nor joint on her account, and they threatened to go after me. To resolve this matter, I had to transfer that balance to one of my credit cards, hurting my fico score. They are still reporting on her credit report that was was more than 90 days past due.