I hope they all burn

About eight years ago I had a credit card from MBNA. I payed off this credit card and closed it before I left for Prague. MBNA was bought out by Bank of America some years back. I had been in Prague for about a year when I got a call from my sister saying that someone from a collections agency had been looking for me. I got in touch with the collections agency and they told me that I owed $300 on that credit card. i told them that was impossible because I had in fact closed that account after paying in full. They told me that they didn't know anything about my account and that I should call MBNA for specifics. After spending many hours on the phone MBNA, now Bank of America told me that they knew nothing about my account except that I owed money. They couldn't tell me for what. I thought this was fishy, they could just tell me that I owe money but they couldn't tell me for what. i called up the collections agency and things got heated between me and the woman on the phone. She hung up on me and I called a few more times and spoke with her. She hung up on me a few times. After that I decided that I wouldn't pay because nobody could prove anything. All I was hearing was that I had to pay but noone could tell me for what or why. My guess is that my old bank's credit card got bought out and the new bank changed all the cardholders agreements and just started to charge them for stupidity. Fast forward a few years. My sister sends me an email saying that a lawyer has been calling my aunt's house looking for me many times. I call this guy up today. He tells me that I still owe on this credit card and that this is my last chance before it goes to court. In the event that it goes to court I will lose cause there's no way I can afford to travel all the way back to America without any sort of proof of my innocence. So I tell this guy OK, what's it gonna cost. Well my $300 bill with interest and legal fees is $1200, but if I settle today they'll knock off the legal fees and just charge interest and that will only cost $600. Seeing as though I'm in six figures of debt and I don't know what kind of loan consolidation or additional loans I will need next year it appears the best thing for me to do is just pay. I pay for it over the phone, the guy tells me that immediately my credit score will go up 60-70 points and that all the credit agencies will be notified that I was a good boy. He also tells me I have excellent credit as if that makes my life all of a sudden worth living. I don't want good credit, I want to not have to need credit, I want to stop living beyond my means, I want to stop being harrassed by corportate America. This is why America sucks. You are sucked into the life of debt and loans in order to chase down your dreams and you may never get out. My American dream isn't a house, a car, and a white picket fence rather it's a cabin in the woods where nobody threatens to take it away leaving me homeless and destitute cause I didn't get my mail in time. America, speciifcally corporate America the banks and the credit agencies are a bunch of con men and I hope that they all burn in hell after this economic crisis that they created rights itself. If I ever have children believe you me I will do everything I can to steer them away from student loans and credit. I will teach them that you don't need to pay thousands of dollars to become "educated" and if they really want to sit in lectures at a university they'll need to become good at something so that they get sent to school on scholarship.