Sorry Arch, I cant agree with you. If you are not holding up your end of the bargain by paying your bills on time (note: banks dont care where the money comes from, they care that you meet your obligations) then alls fair. Bill collectors in the West are far more aggressive.

If you want to stop the "threat" dont borrow money from banks and keep your money at home under your mattress.

____________________________________________________
"Diplomacy is the art of saying 'Nice doggie' until you can find a rock - Will Rogers"