You all don't know me. My word means nothing to you. But, I promise, after answering the door today, accepting a UPS envelope full of creditor checks, and then spending HOURS trying to print statements, locate account numbers, GO BUY ENVELOPES, find stamps, etc. etc. etc.... we will NEVER rack up debt again. In all, we recieved 21 checks. I took 4 to Bank of America, and we will take one to the credit union in the morning. The remaining are ready for the Post Office. I am tired and cranky and am so glad I won't have to deal with this again. Everything has been on autopay, without a care in the world, for the past few years. Since we are going to be tightening the purse strings (whether we refi'd or not), I want to keep it SIMPLE. 

Now, we wait. Thankfully, several of them are going to Phoenix... so, those should hit the accounts quickly. I love a good zero balance.