I also have a basic tool bag with most common tools, a 6 way screw driver, channel locks (3 sizes), pliers, screw gun, small flat head, etc.

It is really more useful in situations where communication is lacking between you and the other party.

I would verify that they are a legal operation because it does not sound like they are doing anything to help and may well be doing you harm.This type of arrangement is usually to take your payments, negotiate with your creditors for a settlement amount which is lower than the actual balance, and only pay them when they agree to the settlement.Even then it will hurt your credit and you will be liable for taxes on the difference between the original balance (growing due to late fees etc) and the final settlement amount, the IRS will see it as "income".It is almost always better to stay in civil communication with your creditors and work out a payment plan with them, keeping detailed records of all communications.

I do have an issue with a neighborhood council, mostly voted by a few for lack of communication, playing government and try to impose their own personal issues on the neighbourhood.

Curt has a very good point that sometimes gets lost in communication.

If you are currently in a bankruptcy or have received a discharge in bankruptcy as to this obligation, this communication is intended for international purposes only and is not an attempt to collect in violation of the automatic stay or the discharge injunction.

> > We need THOUSANDS of these communications to go out in the next few days to have a CHANCE of stopping this in its tracks.

 We need THOUSANDS of these communications to go out in the next few days to have a CHANCE of stopping this in its tracks.

Light Fixtures, outlets, communication center, cabinets in kitchen, bathroom vanities, paddle fans, A/C system.

Be civil, cordial, and intelligent in your communications with your senators’ offices.