Thanks for the compliments jacquesm. They aren't hounding me because I had a baby. It just so happens that my cash flow no longer covers all my previous expens

Thanks for the compliments jacquesm. They aren't hounding me because I had a baby. It just so happens that my cash flow no longer covers all my previous expenses - and one major reason for that is because I have had to deal with higher than expected health bills from my baby's birth. I wish I could just offer them their half, and be done with this, but unfortunately I just don't have that right now. When I do, if I am still able to do that, I definitely will.