 yes you call the credit card company yeah no you call the lawyers that representing the credit card company what do you live on what's your income um i have it it's a lot but it's all taken care of so i don't have any what is i don't know what that means it's all taken care of um i i make about 7 500 a month on pension and everything but it's all taken up by bills by rent and utilities and everything else 7 500 a month