Sigh. You're right, but the problem is that this all has to start with the collection agency. Once I have the proof I need (remember, I went into this with literally nothing) then I can go to those agencies to open up a dispute. Or, maybe I could just do it now while everything else is going on? Have to remember, too, I'm currently a brazenly embittered (lot of jive, very little love...very little...) person who is rapidly approaching the point of being willing and able to something about the things I'm opposed to and this whole fiasco is a really great example of issues I have with society and it's institutions. And is really only serving to fuel my fervor. That's kind of disheartening about Kundera. I knew he left for Paris but not much past that.