~HealthyMe~
Try to be less affected and more effective (I hope I got the e and a right).
Gotta you.

What you said here is true.
My big nemesis is the bank because I can't get over how last year I was late one time--no big deal. Now? They sic the dogs on me because I am 18 days late? 10 years ago when I was in collections, the collections agencies didn't start hasseling me til after the 30 day mark. Why because the economy is tight so the bank starts squeezing their customers? I understand this is the point of my anger: my belief in not being hassled so early is being threatened.
Well, I don't have to bank with them if this is their procedure. I closed up everything last week. In my next payment by mail, I thought about including my cut up bank card. Being Italian, this would be my own version of the horse's head scene in "The Godfather."

I probably won't do this, but if I get another call I may wish they become the next Lehman Brothers.
Over the weekend, I rediscoverd 3 books I had on anger. I think this will definitely will help with the bank.
Thanks so, so much for the reply.