ill try to make this short. my wife had a best buy card with her ex a while back, they had agreed he would make payments. He didnt and they closed it, but she foolishly let him keep it because he promised to pay. Then a week ago we found out it went to a collection agency (ASG) and they called adn talked to my wife. They told her that her credit is so bad because of this, she might as well as file for bankruptcy.