it was a work related incident where I worked for a company XXXX and some wires where pulled down and the work place and the electric company wherein dispute as to who 's financial responsibility it was. the electric company wasnot getting results and decided to bill me personally. an XXXX bill. which wedid not pay and it was sent to collections. we sent it to the work lawyers and they said they would take care of it. it was paid a XXXX which I was unaware of tillnow when I applied for a mortgage.