When it comes to those debt collection agencies you really want to be sure to find one that you are going to trust. And these days there are just so many people in debt. I personally, am just hanging on by a thread and not quite crossng that desperation line. I am not good but i am not the worst off yet. Only a matter of time though it sems in this economy. It is just so hard to get a float never mine getting ahead of the game. I think we are not going to see many savings accounts breaking the bank in the near future!