This company is threatening to sue me personally for debts incurred on my spouse's credit card for which I am not legally responsible. I was an authorized user on the credit card, but I am not the primary cardholder, am not a joint owner of the account, and I never signed an application for the credit card nor was my income used to determine the primary cardholder's credit worthiness. Nevertheless, Harris & Zide have reported me to three credit bureaus (Equifax, Trans Union, Experian) as responsible for this account and... read full review »