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You cannot personally report an individual debt to the credit repositories. To report debt information, you would have to be a client or contributing member of that bureau, ie. a credit grantor who supplies and buys credit reports. You do have the recourse of a court case, small claims or civil court, depending on the amount owed. If a judgment is awarded to you, that information would be picked up by the bureaus and reported against the person who owes you. You only other recourse would be to personally hire a collection agency to collect the debt. This is not recommended, as collection agencies also generally deal with companies and charge a large percentage of the amount owed when they do manage to collect a bad debt.

Another thing to realize is this: getting a judgment in your favor and collecting are two different things. You must weigh the legal costs against, not only the probability of winning, but of collecting.

I have an elderly friend who lives in Clearwater Florida. She is 79 yrs. old. She loaned my soon to be ex-husband approx. $90,000 for him to invest in his business. The agreement was that he would send her a monthly check for the interest. He is either late sending the check or she has to fight tooth and nail with him just to get him to send it. She currently receives only $660.00 a month from Social Security. The state of Florida pays for her medication because they consider her under poverty level. She moved from a condo to a mobile home last year because it is difficult for her to do stairs. There was a difference of about 20-25 thousand that she would get back after she purchased the mobile home. Dave flew there to help her with the sale. Because she did not want this extra money to go through her checking acct for fear the state would no longer pay for her medications, she asked what to do with the money. Dave had the bank write the check to him and he told Donna he would use the money to pay off her credit cards. She called me yesterday crying because she did not receive the check he promised to overnight to her. Any suggestions? Thanks Cris

Dear Cris, She needs to consult with an Attorney.

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Q: Can an individual file a credit complaint against another individual?
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