Thx, layla... and it may be a good place, just not, um, well-travelled? Off the beaten path?

Anyway why should anyone in PC be embarrassed ever about anything? We all come here to be among like kind and feel safe baring our *sses... right? Yeah, I am consulting with free legal aid online, they're helpful, I just haven't had to deal with this BS in quite awhile so I forgot how nasty some of the collectors can get.