I'm feeling ya, Moose. Over the years of financial irresponsibility---racking up huge student loan debt, mismanaging credit, late payments, several lawsuits, garnishments etc.---I've probably got a credit score of -300. (Duh, I'm bipolar, LOL!) I've been through two Chapter 13s and a full bankruptcy, and I'm about to file another 13 because I'm up to my arse in medical bills.

Yes, I hate the robo-calls and absolutely refuse to answer the phone or call them back. Like I'm gonna call somebody back who I know is going to hand me my butt over the phone and try to get me to make payment promises that I don't know if I can keep. I'm not poor, but I have been, and probably will be again once the student-loan people exact their pound of flesh.

Moose, you are SO not alone in this. ((((HUGZ)))) to you!