@FluentInFinance What I do is when a corporation or company treats me badly I then refuse to pay my bill. After awhile they call me and say they'll send it to a bill collector and it'll ruin my credit rating. I just tell them i've had an R9 rating most of my life and that I like it because it means I don't have to eat their shit just to keep my rating. I usually don't get a call back. I've always hated the fact that a credit rating can get totally wrecked after I get abused over a $40 bill.