Regarding an account going to collections?

My Ex-fiance owed the total bill on my Sears account. He was supposed to notify me if he couldn't make the payments so that I could. Needless to say, he stopped making them or wasn't even covering any late payment fees and I was never notified of what was going on until a collection agency called me. I took out a loan from my credit union (who told me he had made my credit score drop over 100 points) and paid it off, but the damage was done.

My question is this: Shouldn't I have been made aware of what was happening on this account BEFORE it got to the collection stage? A 60 days late on my credit report would STILL look better than a 120 days late, true?

Thank you for your time.

Can I assume you were a co-signer on the account,?

They would have notified the main lender, who is suppose to tell you.

So no they don't notify the co-lender not until it is late