Make Credit Vultures Prove You Owe

One last piece of advice, the folks at CreditInfoCenter.com recommend that you pay with a cashier's check, never a personal check, and retain a copy of it for your records so that the collection agency doesn't get your bank information or "lose" its record of your payment and come after you again.

Trust me, one conversation with these losers is one too many.

But now, if these credit jerks come after you, even by mistake, you're ready for the brawl. Don't you feel better, already?