Ask to speak to a supervisor if necessary. Also explain that you are aware that the Federal Trade Commission prohibits collection agencies from charging interest. Plan your automobile trips around town to save gas and time. Think about the route you will be taking and drop off bills on your way to your child's soccer game. Read the labels on items purchased.
Most generic products have the exact same ingredients as the name brand but sell for half the price.
If you still find this too complicated, hire a Document Preparer to prepare your paperwork. They complete the forms with the information you provide and charge less than a lawyer. Document Preparers are skilled office professionals and most have been doing this for years. Check your Yellow Pages. Of course, you should still consult a lawyer for advice regarding complicated issues, but most offer a free consultation during which you may be able to obtain the information you need to do it yourself.