Not all debt collectors are bad!!! I suppose each person has an individual way of getting the point across, some are not so diplomatic as others. Before I was declared completely bloody bananas, I worked for a credit card company chasing peoples debts, it wasnt an easy job, but I feel that I have the tact and diplomacy that is needed for that sort of job, which isnt easy, I am sure TWISTED would back me up on that. It does however help if people contact you before you contact them and say that they are having problems. Anyway, I am fairly sure that no one would have a pop at anyone else here in psych because we all have a few things in common dont we?? If we cant offer honest opinions then what is the point in posting our feelings and comments in here for other peoples input, advice and support. Come on people, lets have a big huggles and realise that we are all here for each other. Huggles from a loony ex debt collector (to add insult to injury, I was also a real estate agent..... hahahaha)