Thanks perpetual - I'm pretty sure the lawyers took care of the creditors. Hubby said he got an email from the VP of the company apologizing for the harrassment. I agree that they are evil. That's why I don't talk to them at all any more. They really mess up my head and I end up bawling like a baby. It's not that I want to be in debt. I'd love to be able to just pay them all...what a relief that would be.