shit I've done worse...My amsouth account was overdrawn due to a napster monthly payment that they automatically take but I thought I cancelled it before hand. I told the bank I refused to pay the penalty until everything was straight with napster. Well napster said tough shit, I relayed the message to my bank and havnt touched it in 6 months....I was turned in to a debtor/collection agency and my mom's credit took a hit, lol....sry mom.