I can totally relate to this. Bill collectors drive me so crazy i just stopped answering the phone and opening my mail. They can threaten all they want but i have no money so i just try to be ignorantly blissful. Probably not a smart way to handle it but the stress of talking to these bullies on the phone was making me go nuts.

{{{{{{{{janniebug}}}}}}}}}} Hope tomorrow goes better for you. Maybe they all decided today was the day to hound and have tomorrow off