One thing I see more and more in business in the USA is the lack of class, the lack of diplomacy and tact. It reminds me of my time in India where business transactions start off with a winner-takes-all mentality. More and more I see vendors signing an agreement that says X - and then afterwards asking us to waive rights or pay more or forgive transgressions; typically they'll say "We're not going to do what we said, please give us permission to not do what we said we'd do." Of course, they do it slightly crafty, saying "We need you to do this, OK?" And invariably, me and my team politely says "No, we will not deviate from the agreement without value, you will stick to the agreement." And invariably they do.<p>Tell these money lenders that you don't owe them a penny, and you decline to pay their legal bills, and not to contact you again.<p>You may even consider this a fair credit issue:<p><a href="http://debt-collection-defense.whocanisue.com/fighting-false-debt-claims/" rel="nofollow">http://debt-collection-defense.whocanisue.com/fighting-false...</a><p>Demand proof of debt and demand they do not contact you. If they continue, take valid legal action.