You are a complete and utter moron. Did any of the posters even indicate owing any type of debt, let alone being in default? You are so desperate to intimidate consumers you couldn't even wait until some real complaints got posted to start your troll routine. You are merely a bush league boiler room bully who is crying because you can't cover the cost of the "spreadsheet" you bought. Clowns like you aren't going to sue anyone, your too cash strapped to even pay the fee to file a complaint. Go play in traffic