Whatever happened to paying the freiking money you owe and quit trying to find all these loopholes to not pay your obligations????? I am so tired of reading sob story after sob story on here. If you owe money to someone, pay them for Christ sakes and you won't have to worry about bill collectors! If you don't pay money back that you owe, then your credit WILL be wrecked for at least 7 years. And I for one, don't feel one bit sorry for you. You deserve everything you are getting. And if posting on this board might somehow make feel better about yourself for being the deadbeats you are, then so be it. I'm off my soapbox now, anyone out there agree or disagree with me?