This is pretty common. Everywhere I've ever lived, the postal carrier messes up the delivery. I have a PO Box and I get the mail that is addressed to the box next to mine. It is an irritation yes, but there is no way I would ever let it damage my credit like this. This lady is talking like her car insurance has lapsed due to this issue. I can name every monthly obligation that I have and about how much the payment is and the approximate due date. I'm not going to be paying late fees because my mail carrier put the bill in someone else's box, and I'm certainly not going to let my insurance lapse and pay the fine to get it reinstated and keep my plates. So, while I agree that she should complain and maybe she'll get a carrier who is not as bad as the one she has, when it comes down to it, as adults we are responsible for paying the bills on time whether we receive them on time or not.