Dealing with Debt Collectors can be very painful. Keep track of all this information in your spreadsheet.
When each of your birthday's came up you now have your gift ready. One of the best websites for DIY repairs are: The Samurai Appliance Guru, Repair 2000, as well as the Natural Carpenter. https://groups.google.com/g/giftcard-mall-my-gift-info/c/lJb4jNQqwjY