i'm with art-man burn it down. you can always let it go to collections. if you dont plan on buying anything on credit in the next year or so. you already have a mortgage and a car or two i'm guessing. fuck them they aren't gonna starve if they have to wait for their money. i dont know about leases but if you make them wait long enough eventually they take a settlement less then the original amount. i had an electric bill from 2001 for 479.00 they settled for 71.00. i guess they felt like something was better than nothing!!! ;D