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I appreciate your help, but please be specific if you do reply.

Vital Info: Verizon California Landline Amount $ 500.

My ex-renter literally had a nervous breakdown and started using my phone (which didn’t have a long distance provider) to make calls back east. Normal phone bills were $ 26 a month. She was evicted (nightmare) and now I have a $ 300 + $ 200 to pay by the 3rd or else I’m disconnected.

Question #1. If I balk and don’t pay (not saying I will do that) will the not paying, if it goes to collections, hurt my credit score somehow? Or am I just going to get notices in the mail? I know that a landline is a utility…so does that matter? I know it matters in Canada.

Also, If I don’t pay it, can my son at some other time start the phone line again in his name without the debt?

AND for the techies out there. There is a DSL (3rd party provider) account on the line. If the phone goes off…does the DSL get cut too? No, its not Verizon DSL, but a third party which I have a contract with till November.


I have to add this detail for the curious. I have now and have always had excellent credit! The worst I have ever done in my entire credit history is pay a payment about 3 days late! I just want to know the answer to my question. BTW, I am 74 years old.

3 Thoughts on Will not paying a big landline phone bill hurt credit score?
  1. Reply
    June 9, 2011 at 11:59 pm

    Yes. Pay something each month or make payment arrangements but stick to it.

  2. Reply
    June 10, 2011 at 12:21 am

    Verizon will sell/assign the debt to a collector.

    The collector will report the debt to the consumer reporting agencies.
    The collector may sue at some point.
    Your credit will suffer.

    You might see if you can make payments, just be sure that you get any agreement in writing. Not having it in writing means that even if you do send payments, they will probably send it off to a collector.

    Even if you have had excellent credit over the years, a negative will still hurt.

    Verizon is not very forgiving and will turn it over to collections.
    The collector will more than likely report it on your credit reports.
    Unless the collector is willing to delete if the payment is made, it can remain on your reports for 7 years from the date you defaulted with Verizon.

    I don’t know if Verizon will allow your son to re-open your phone in his name. If they don’t realize that he is opening the account for you then they may allow him to open it without paying the past due amount.

    I don’t know about if the DSL will be cut. Y!A has a consumer electronis Q&A section where you might post that question.

    You were very kind to help someone in distress and I am sorry that it turned on you.

  3. Reply
    June 10, 2011 at 1:20 am

    Yes if you dont pay it will make your credit score worse than it is now. Pay the bill then take her to small claims court to sue. And bring in a print out of the bill showing all the calls and the date and time to court with you.

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