The creditor told me that they could call me at work becasue it was a first party and they didnt have another number, but doest that make it legal? I guess I can give them my cell number but we have decided that the car needs to go back...so what do we have to talk about now? We have told them that we have made that decision, then they said they didnt want the car? What the heck, I cant pay for it, but your not going to come get it? I dont understand. Anyway....I really appriciate hearing possitive feedback. I feel so alone, which seems silly considering what so many people have been going through. Honestly sometimes I feel like a victim. So many people before me have been chasing the "American Dream", we did and now I feel like we paying big time for that. Now what dream do I chase?