Lovemyshiba,

Don't worry, they WILL call back! If they want the money that bad, believe me, you won't get rid of them that easily. Besides, according to the rules, they HAVE to give you a reasonable amount of time to make good on it.

I'm just waiting to get my income tax refund so I can file bankruptcy. It's the first time in my 50 years of life that I've had to do this. It'll be the last too.

Good luck.