They will have gone quiet - they are planning their next move. I agree that we do not want to pay any more money than is necessary but making yourself bancrupt is not the answer - companies can still chase for money after the bancruptcy has been discharged. I am not undermining anyone's efforts - I have been there myself dont forget - but I feel that everyone should be made aware of the prolonged stress and anxiety of trying to fight what in some cases is a losing battle. Once again I wish you lots of luck.(posted 7946 days ago)