How you are handling the situation right now seems to work for you, YES? Not much more you an do. The problem with creditors is that they are always changing their tactics so don't be surprised if they come up with a new twist. Good luck.
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Comp, Oregon is reasonably debtor-friendly in that it is somewhat hard to enforce a judgment that was not obtained legitimately. The SOS office is also very good having their consumer finance branch come down on un-registered CA's. The costs of filing an answer is quite disturbing, but I believe for extremely low income households, the fees can be waived.
I do appreciate your comments. Your attempt at finding solutions are valuable pieces of information and offer additional alternatives.
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