The thing is I am working with two lawyer groups and are helping me with the payment plan...so I don't understand why this company is still hounding me...it causes me a lot of distress since I feel I am doing everything right. Anyway it just kind of adds to my feeling of helplessness...like if whatever I do it turns upside down and get worse. But thanks to everyone for listening. I also feel so bad for my kids...they can see the trouble I am in and probably think I am stupid for letting this happen...its hard...no matter what.