Those are the worst and most perplexing for me too. If I actually want to talk, I am even less able I am to make the call(!) I have to usually work up the nerve over several tries --sometimes weeks or months-- and still be sitting with my head b/w my knees for light-headedness, shaking and nausea.

Rae_rae21 "Just" a call to resolve a bill? Simply saying "just" tells me you are in fact very brave! Calls to any business (especially knowing I will get one of those "press one" "press two" "say yes" or "say no" -- which they ALWAYS say they can't understand no matter how clearly spoken...) Those are virtually impossible for me, between the fear and aggravation. I WILL do it though if I am ripping po'd... which is not a good state to call in either...