Actually I know. Dh tried to sign up and his account never got activated. So I am asking for him. I know I have no dog in the fight. Dh actually sat down while I was typing this. The debts were three personal loans they had. Three utility companies that she did not pay the bill to after Dh moved out. She is to pay directly to the companies, but Dh is having to pay because she is not and he does not want his credit shot.