Thanks to all who posted. I finally dealt with two issues Ive avoided for two weeks. The bill I posted on was my biggest concern. I called and at first he tried to play hard ball, stating the debt was 2 years old and that they probably should just take legal action. I told them I could pay $150 now (100 less than they wanted). He said that was ok but then he wanted $250 a month after that. I remained calm although at that point I wanted to say, just do it then, maybe ill just declare bankruptcy.