Co-signed for a car for my ex man. He blew the engine and left the car on the side of the freeway. Also stopped making the payments. I didn't not find out about this until I got a letter from the courts. Judment was entered for the remaining amount on the car. Towing company has been on my back (via a collection agency) for over 2 years now for towing fees. I was thinking about working with the collection agency and had arrangements to settle for 1/2 the amount ($600) but at the time I didn't know to negotiate something about my credit rating. So I reneged and didn't send them the money. So today I was talking about this to a co worker and they suggested that I call the original creditor (the towing co.). I thought they sold my debt to the collection agency but I just found out that the collection agency is collecting on the towing company's behalf! So I just got off the phone with the Towing people and I am going to go down there tomorrow and work something out. I already stated that I didn't have much money to work with (I'm going to offer them $300 and that's it!). They stated that if I pay them directly, they will pull my account from the collection agency and tell them to delete any information reporting to the agencies! Of course I'm going to get this all in writing. I'll draft my settlement letter tonight. So, this takes care of this matter. I doubt Junum could of did anything...I've already done everything and these fools wouldn't budge! Aside from the judgment, this was the only other mark on my report that is ugly ($1K+ unpaid collection). Everything else is paid charge-off or paid collection. Hopefully junum can take care of that.