Ingrid, I am making my credit card payments, so there's no real problem with people being on my case about it. But thanks. I guess I have that to be thankful for. That I only have 1 collection agency billing me for a hospital bill from before I got medicaid and that I am able to comply with them. I think it really helped for me to vent. Still got probs but doesn't seem like the end of the world anymore. Thanks guys for the support