Every morning my phone rings and my "caller ID" shows WFNB in all caps. I don't answer it because it is not a call for me (personally) or any other member of my household. History: my daughter (who is over 21) owes money on several accounts and credit agencies. She had been a student for seven years and accrued debts and loans. She quit schooling and started working in January 2010. I don't know her current financial situation, but I doubt she is in a position to erase seven years worth of debt very soon. Why i... read full review »