Concerning the collection agents calling me up.

Thanks for all information on how to deal with them. It is not a problem. The debt is mine, I'm not trying to avoid resonsibily for them. So far I've been able to handle them by being truthful, and deliberate in my instistance for them to put their thoughs in writting. I will, and do answer them back.

Someone mentioned that I'm blaming the CC's for their agressive tactics. Far from it. I never said that. What I 'm saying is that their techniques are counterproduction in my case. I don't blame them at all. I owe them money, they want it back. Screaming at me and hurling insults will not change anything or make progress towards a resultion.

I suspect they are just testing me to see what they are dealing with. I would do the same thing.