>>Go immediately to the following site:
http://www.nolo.com/chunkdc/collectors.html
Good advise on how to handle collectors and creditors. <<

I don't think I need to do this this. Talk is cheap and they are just doing their job. I would welcome a call from a calm, reasonable person who will calmly discuss my options. The guys that do call act like meth junkies looking for a fix. I can't talk to them like that.

I don't want to avoid them. I'm not trying to hide anything. I just wish they would put an adult on the phone to have a substantial discussion with me.

I'm holding out hope that they will do this, after they have gone though all of the chest beating and threat rituals.

Please be patient with me. I'm not going to rush out and tap my 401K, file chapter 7, or any other rash actions until I have a comprehensive plan to get my life back in order in place. Moving too fast could cause more harm than good at this point.