I send EVERYONE who owes me to collections which automatically stains their credit reports. Now, a consumer CAN challenge this. If he does, then the credit reporting agencies will contact me and I never fail to send them the documentations showing that they are deliquent so the stain REMAINS on their credit reports. If I were you, I would do EXACTLY the same thing and keep records in a very safe place. DON't PUT UP WITH NON-PAYING PEOPLE. I feel sorry for NO ONE when it comes to my family's well-being. BE RUTHLESS!