A bankruptcy lawyer HAS advised everybody that they should send cease and desist letter to stop all the collection activities, I JUST WANT TO TELL YOU GUYS IF U DON'T PAY UR DEBTS THEN UR ACCOUNT WILL KEEP REVOLVING FROM ONE COLLECTION AGENCY TO OTHER.AND IF YOU FOLLOW THIS ADVICE THEN U WILL BE NEED OF THAT LAWYER SOON COZ U MIGHT HAVE TO GO FOR bankruptcy ..SO PAY UR BILLS OR SETTLE THEM !!! OTHERWISE BELIEVE ME U WILL BE SCREWED UP BY CALLS EVERYDAY..AND SPECIALLY ON SUNDAYS!! AND THERE IS VERYYYYYYYYYYYYYYYYYYY BIG... read full review »