LOL pretty much! after being here at CN i am surprised at what people don't know. you'll see it too as your credit gets clean and you learn about the laws/regulation. its nearly impossible to have a normal conversation! hehehe. AS A SIDE NOTE: DO NOT LISTEN TO SUZE ORMAN FOR CREDIT ADVICE ONLY FINANCIAL PLANNING!
well, by the time you get around to disputing the BK your report will be clean and you will be well versed in the FDCPA/FCRA and it will seem easy. IMO, CA's are worse than the BK to dispute.