"Hi, This is Linda..

No one calls me anymore. I now realize how few peope I talk to on any give day. I used to get three, sometimes even four calls a day, depending where I was in the billing cycle. I got tired of erasing their calls and finally called financial management company to get me back on track. I should be debt free in three years and nine months. I don't know that I will hear from anyone ever again.

I do miss Linda (sigh). She always left a cheerful message. "Hi, This is Linda from Capital One." I don't remember what the rest of the message said. I always deleted it before she got any further. I wish I'd saved one of those messages. She was always so cheerful.