Two years ago I had a dentist bill that I did not pay, it was around $ 25. They sent me a couple of notices which I ignored (long story) and haven’t heard anything for over a year. I’m worried this amount will randomly go to collections during my mortgage process. I have no indication this will happen but I guess it’s a possibility. Do I call the dentist and pay off this bill or let it go? I’m worried that if I call I will “awaken the beast” and maybe it was sent to collections and just not reported or something. It’s not on my credit report.
This whole mortgage process is not for me. I’m not sleeping and can only focus on all the things that may go wrong. I don’t recall ever being this stressed out.