Ugh, the house is so close to closing and I had to deal with a meanie on the phone.  I had to call a collection agency and get a payoff amount.  I know, I know if I had paid my bills this wouldn't be a problem.  And it is only one bill that is about 5 years old that got sold and the company it got sold to is trying to make a heap of money off of it.  They have lied to us on the phone the only time they called.  They say they have been trying to contact us for 5 years, but that is a lie.  We have had the same number and we have not recieved any letters.  The woman told me I was a degenerate and I don't deserve a house because I don't pay my bills.  She also said if it was the last thing she did she was going to make (insert obsene words here) sure that we never got a house.  I was beside myself crying and all worked up.  I couldn't get a hold of the closing lady at the mortgage company....she is on lunch I think.  And my poor dh had to listen to me ball in his ear.  He calmed me down and we talked and he told me that he was confident if we called back we would get someone else.  I am not calling back until he gets home! Hopefully the mortgage lady will call back soon and we can rationally discuss what to do.  I am sure I will get all hysterical again, as I am tearing up just thinking about our potential conversation.  Please pray for me.  And for Ms. Meanie....I know I have been praying for her.  It is the only way not to think really ugly thoughts of her right now.  I will update later.