IMPORTANT INFORMATION ENCLOSED
YOU HAVE 15 DAYS TO RESPOND
God, do I hate loan consolidation junk mail. Some even go through the trouble of printing them in that perforated edges style to make them look more official, all to trick you into opening and reading them. I make it a point to rip them in two before opening the envelope, but I'm often just paranoid enough to still take a quick look at the contents after ripping it apart. Just in case. *sigh* I just hate that they can have so much power over my mind through their cheap psychological tricks.
I guess I should be annoyed at my credit card company, too, becuase they occasionally send me letters labeled "CHECK ENCLOSED". This latest time, I actually had to take a look, because I have cashback now. It might've been that, you know? But of course it was really just another offer for their credit protection services or whatnot, where they bribe you up front for joining some service that'll cost you in the long run.
I don't expect any of this stuff to change... Well, I guess the one thing I do wish would change is that private loan companies should not be allowed to have "Federal" in their names. :P