So what if they call you and ask for money? If you don't have any to give them, tell them to stick it! The only thing you need to make payments on is your car. That's one thing that can be repossesed. Have you ever heard of a "charge-off?"
Just send them money when you can, close the accounts so you can't use them anymore, and for GOD'S SAKE, DON'T SPEND ANY MORE!!! :p
It's not as bad as it seems. Trust me.
