I know, it does seem like a small amount but gosh it feels huge!!! It wouldn't be bad if we had a nice newish car in the drive or something but it's for nothing really!!! And as far as a black mark goes......doesn't it only last for 5 years?? We are screwed with our debts for at least that already so I don't see the difference really.

Do you mean a debt agreement with the credit holders?