Below is my situation. When you add all of these up, I pay about $1,700 in interest per month to these scumbags. Amazingly enough, I am current on all of these, but that isn't going to last long! Anyway, I know most of these outfits are illegal, and that by really doing battle with them, I could probably take care of them. My problem with that is that I have a fairly high profile job and if letters and calls, etc. are made to my employer, or wage garnishments sought after, it would be really embarrassing and potentially job-threatening.