I think that it is very nice that you are concerned about your daughter and her finances. With that being said, she is an adult and it is going to be very difficult for her to share something with you regarding how bad her finances are and her inability to pay bills. Since you have contacted her so many times regarding her bills and even offered to assist her with payments and have heard nothing, more than likely she does not want your assistance in paying the bills. Do not take it personal, she just may not want your help. One thing that you can do, is you want to teach her how to better budget money. There are several places that offer free financial counseling and how to better teach people to budget there money. Perhaps finding one and telling her that you yourself would like to go to these classes and you would like her to join you, may be a good idea, so she does not feel like you are telling her what to do, but that you are asking her to join you. The thing is, you want her to learn a permanent solution to managing her money so that she is not always coming to you or in trouble with her finances. She may be more open into listening to a professional than she is to you, and they can pull her credit report and let her know how this can affect her future and teach her how to fix it.
As for the tires, I would not mention it to her anymore. I would asked the company to remove me from a reference and to stop calling, but your daughter knows that they are trying to contact her, and I would hate for you to put yourself in a bad position with her by continuing to mention it. I think it is better for her to learn permanent money management skills so that she does not find herself in this position again.
Thank you for the advice. She lives over 800 miles away so taking classes together would be impossible. I did send her a Suzie Orman (sp) book on how to manage money, etc. Of course, she never mentioned that she has read it. If the tire company calls me again, I will ask if she put anyone else down as a reference. If so, take my name off and call that person. My daughter lived at home until she was 28 so is still trying to figure it all out, I think. It took her 7 years to get her Associate's Degree then never did finish college. When she got into college, she had trouble with deadlines, etc. If she received help, she would do fine. She just wasn't self-motivated. I really do believe she has an ADD problem. I've read up on this and she displays so many of the symptoms.
Thanks again for your advice.