mmm mmm mmm that's the attitude and vocabulary that landed you in the hands of an atty to begin with- don't think maybe you should read your contractual agreement with the bank and see why this is now a problem which escalated to legal recovery??? so very sad to see how many do not realize we are the last stop, and when we call to offer remedy, most are afraid, but some are very nasty, and usually end the conversation with "do what you have to do". How sad that that makes US the cretens, when under the law, "doing what we have to do "after that conversation is file with the courts and send a process server to your home to enforce a contract which no one forced you to enter into to begin with! MOST people want to take care of business, but that handful that thinks it's ok to take from the banks and complain after the 180 days pass that you are in default , your reported as charged off- that's the handful I personally have no sympathy for.: and usually the ones making the most noise on these websites.