re: "deadbeat debtors" mentioned above... I commented earlier about my husband who is not a scumbag and didn't do well as a collector because he is too nice. He's just a regular person like the people he was assigned to call up and collect from. But did you guys know that, as nice as he is and considering that he did a crappy job as a collector due to that, because he understood circumstances and didn't get joy out of prying money from anyone's hands (despite the fact that he was working that crap job to pay his own bills painstakingly and faithfully)... He became aware, during that job, of the existence of "professional debtors" I'm not going to debate the definition of that nor apologize if that label might be used to describe anyone here... but unless you're unreasonable, you'll know that there are, indeed, people who get their jollies out of rooking anyone and any entity out of every last dollar they can run away with. The things they would do to get out of paying a dollar toward anything and the joy they got out of it was apparent. I just wanted to say that "deadbeat debtors" do exist, to that extreme.