just the advice from the lawyer to make debt collectors annoyed little bit>> and make them think for a bit before i hand out the check>> and the precautions and documents i should take after i am done handing out the check>>LOL>> i had like 400 bucks to pay off.. 

nepali ko bani bholi bholi bhanda bhandai.. debt collector ko phone ayo.. haha.. 

i really like to give them hard time with the check in my other hand to pay them off when i meet them>>