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I downloaded some ringtones from myxertones.com to my phone and some of them i dont want anymore but i have no idea how to delete ringtones?? And where does everything go that i download? Also is there anyway to look at whats on my "SD CARD"?? ...i just got this phone so im still learning...

Okay, i skipped about month and half on my car payments and my mail goes to my mom house. So i saw the mail the other day about the late fees and the payments i owe on my car. I called the people who i make payments to and they said that it was too late to setup an arrangement and that if i dont...