I know that just about everybody, well I assume everybody, here, has had a collection call. I got one yesterday, and I was so mad that I wanted to pull him thru the phone, and let him see my position now. I have become disabled with Digenerative Disc Disease. That means that I have 2 herniated discs, and 1 bulging in the left side of my neck. No fun!!! Since becoming disabled, I have gotten sicker. I have been hospitalized 4 times in a little over a year.