I understand your frustration. Most of my bills though are educational related. Each time I thought I’d be getting a better job if I went and got a better degree…well that didn’t work out so well for me. I’ve tried putting bills on deferment but they keep calling. Several times a day. Most of the time when I’m home by myself I’ll turn the ringers off on the phones so I don’t have to hear them all day. It gets me very depressed.