"Dear *deadbeat*, We learned that you were recently turned down for a job or were declined credit. Perhaps it was because you owe us $30k. Why don't you help your credit by calling us to arrange automatic withholding of payments from your paycheck? We will contact your employer to see about making automatic payments. Otherwise, you must inclose a check for $30k in the attached envelope and send it to us by the end of the month. <fine print> This is an effort to collect a debt... </fine print>" That's a good one! I have to applauded their chuptza on this one. I havn't been turned down for credit in years because I haven't applied for credit in years (since I became a deadbeat). I also havn't looked for or been turned down for a job because I work for myself. Am I wrong or do I detect a vieled threat to contact my employer in there? I'm so scared. What if they call me about myself?