Advice on how to make collections worse....

Yup thats what i was shown today....this... http://www.brokeass-student.com/how-to-fight-back-against-collection-agencies/ is a website that claims to help you get rid of collections agents.

it is the most retarded website ever. Want to get rid of a collector? Write a cease and desist letter. Thats it. None of this bs that website is giving. Cease and desist is the easiest way. There are others, but those vary to your situation. I did collections for 2.5 years. My big thing was knowing the law and making sure i didn't go against it. This site puts everything on validation of debt. Thats all nice of them, but validation doesn't do much of what they are saying. Majority of agencies can validate your debt easily.

Just do a cease and desist, people. 

most agents prefer to talk to paying people anyway. You'll just make their day easier. :D

Reality vs Fantasy

I've thought this over repeatedly. I have my pros and cons of both UT and NTID. UT has a basic educational interpreter major. Theres nothign that stands out about it, except its not far from family. While NTID has everything I would ever want. The truth comes down to this. NTID is expensive for a hearing person. They have scholarships and grants. But, I know it wont be enough to cover me unless I live in a dorm. I dont want to live in a dorm. I want to have my own housing. I learned last year I can't stand dorm. I may not even get enough financial aid to go but two quarters then spead the other two off. That would amke it up to eight years to graduate. I dont have great grades and suck as a A/B student. I tried it! Its rough and stressful on me. UT is a tn school in a town I know not too far from where I live. I can fiinsh in two years. Going to ETSU, I know what I can get from a TN school and know that in knoxville I can easily get housing.

After my experience in MO, I'd rather just finish somewhere I know for itnerpreting. For Deaf studies, I can go to cali. I can't transfer there now, so I can go after I finish UT then pay for bachelor level classes. Cali follows the same standards as TN. Northridge is in an area I generally know. I can get a secondary bachelors there, so I can have my Deaf studies degree. :D I know I could do Deaf studies at Gally as a Masters too. But I have three or so years to look into it.

But thats my decision. I will finish my NTID application, but I am going to end up at UT. Its just easier on me.