Credit
I have a small debt here too, but thanks to all your nice suggestions, I started calling them and asking all kinds of questions about it. to send me figures about what constitutes my debt, and to send a statutory paragraph stating that I must repay each month a certain amount of not less than 50, AUD, etc... and know now when I call them they push off the handset and do not disturb the peace of me or my loved ones at all, as they used to do! This year I pay 10 AUD every month and everything! Everyone is happy! : ) And don't let them climb on their heads! Especially Madara, because in her real, there is nothing, if only, as she herself said Inspector Caps! : D
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