The letter stated a settlement amount, which was far greater than the initial credit card debt. I would never settle. I would never give a dime to a collection agency. They were wasting their paper. Another outfit that is wasting lots and lots of paper is The AARP.

Man, these guys have crawled so far up my butt that they are starting to scare me. First of all, am I, at 56 old enough to be in The AARP? I thought that you had to be 62 or 65. And second enough am I not a mature enough human being able to make decisions for himself and not be force fed your mail so often?