Forty-five days later they will send you a letter demanding the dough. Take the letter and smoke it. Don’t answer! If you do, you will end up talking to very menial 1-800–type attendants who will push a little button on their screen and start a sinister timer running. There will be no negotiating. Instead, if you can stand it, wait until you get the fifth letter around September. It will come via certified mail. Answer that one right away. That letter will have a different phone number on it that rings into a Seattle office called the ACS (Automated Collection Service, but it is not automated
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