I think every one in here complaining about pfs are a whole bunch of professional debtors. Let me tell you why..
1. Pay your bills (that way bill collectors wont call you)
2. Parents!!! Smack your kids in the mouth then help them pay so bill collectors dont have to call you.
3. Stop screening your calls at work (by you doing that debt collectors will stop calling you every 5min!!! Common sense!
4. Agree to pay if you owe trust you will not win and no you will not get an attorney for a lawsuit because you cant afford it.
Finally:
5. Did i mention pay your bill and find something different to do with your time!!!
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