I hate creditors who are dicks.
Creditors should give those of us who are trying to take responsibility for our loans and past mistakes a little bit more of a break.
I was on the verge of filing bankruptcy last year. I clawed and scratched my way out of that brink, and I'm making the minimum payments now to all of my creditors except one.
And that one is being a bitch, threatening me with a lawsuit, and all kinds of other stupid shit, despite the fact that I'm bending over backwards to pay them whatever spare change I have. I'm living off of baloney sandwiches and ramen noodles for the most part, usually eating only 1 meal a day because I want to save money to pay off my bills. The only luxury I allow myself at all these days is my high speed internet, which I use for work, so I need some form of internet regardless, and maybe a fast food meal once a month.
I could understand their threats, if I was actually holding out on them, and able to pay more than I am, but considering that even if they did take me to court right now, they wouldn't be able to get anything else out of me than what I'm already giving them, its stupid for them to continue threatening me. And I'm even more pissed off that they are just making threats, and trying to bully me instead of either accepting that I'm doing what I can, or bellying up and throw the damn lawsuit at me so i don't have to hear them bitch anymore.