Oh, and yes, I know it's against the law for creditors to behave this way - doesn't stop them. Just like it's illegal for people to park in front of your driveway and block your car in, but I live in front of an elementary school and they do it all the time anyway. One day, I actually went outside and told the lady blocking my car that I would call the police if she didn't move her car. She responded, "oh, did you need to get out now?" My answer, "no, but it's still illegal and very rude of you to block me in" She moved, but then I felt bad for being mean to her. (it was a bad day)

Legal, illegal...it's all about what you can get away with nowadays.