(((( OK...katheryn ))) THANK YOU BOTH...I know none of us have a lotta money and we are you and I katheryn close to no home and all....still I agree we have to take care of us within the law and being kind..I wasnt rude or lying to this ONE collector but she was to me.....I think its just added a LOT of stress and further complicated my emotional issues NOT THAT SHE DID HER JOB....but HOW SHE MISHANDLED HER Job...not all people are this bad but