[Surial]

I filed bankruptcy. So I went through a long period of time dealing with collection agencies. But this was before Bush changed the bankruptcy laws.

I wouldn't answer the phone. But it is quite annoying to hear the phone ringing off the hook.

My mom's boyfriend lost his job and he is also in the same situation as you. He was a pharmacist that made 120,000 a year and now he is 4 months behind on his mortgage payment which is 1700.00 a month. And he is still living in his 500,000 house.

So, I think there is some flexibility there. He also has many credit cards. So from my own experience and watching others - this was my observation.

The credit card companies have no authority over your home. They are are pretty much powerless if you don't pay. But they do have the power to leave nasty reports on your credit report. But if your credit is bad anyway, it won't make much difference. I believe food and shelter comes first, credit cards come last. You would be doing the right thing if you had no other alternative. I feel for you. I hope things get better.