<prompt> Human: So, my wife doesnt have a SSN of her own immigrant issues. She signed up for Smile Direct Club with my credit card on a monthly payment plan. After about 6 months, my card number was stolen and I got a new card with a new number. Unfortunately, I didnt remember to contact Smile Direct to update the card number honestly I forgot about it. Fast forward to a couple of days ago and she got a collection notice for 1470 from a collection agency. I dont have this kind of money with me in one go. Whats the best way forward? I dont want to be a dick, but I dont want to have to pay it all off in one go. She nor I got any mail before this stating that the card was declined.  <response>: So your wife got the aligners to straighten and whiten her teeth on an 18 month plan? And then you both forgot about it? Its surprising they didnt contact you somehow, email or phone.You should contact them and explain the card issue and see if you can get back on a payment plan. It might be too late for that and then youll have to work with the collections company. 