I just my first call from Pacific Coast Collections just a few minutes ago. The guy on the phone gave me the standard "I was just calling to see if you'd like to resolve this before it goes to our legal department" sales pitch. I can't wait to get my credit reports so I can start tackling these bastards. At one point I was getting upwards of 20 calls a day from creditors and collection agencies, which sucks because I live with my parents and it's their phone not mine. Lately it hasn't been that bad though. I think that this is the first call I have gotten all week from a collection agency.