In similar circumstances I would want to vent too. The creditor thing is awful, so much worse than stupid telemarketing calls.

Is it ok if I suggest something? If you could email the companies telling why you are late and when you will begin trying to catch up they may behave more friendly and spend less time harrassing you with their phone calls. I have read about this online and supposedly keeping in touch so they know where you are at will cut down on mean dunning calls

Feel free to keep venting. Tension is very tiring if you can't let it out.

Hope things cool off and improve soon.

Leslie/Pixies