<prompt> Human: I have kept up on my debt payments and Im pretty sure I have decent credit. Her credit card had a 3,000 limit not the end of the world, and she has no intention of paying it back to the collectors.Is this going to screw us over in the long run if we want to buy a house? Im 28 and she is 26 so I can assure that buying a house will be a plan for my near future.  <response>: If she does not pay it, yeah - that would be a problem 