When you are dealing with collection agencies the first thing to understand is that not all of them are like the ones you see in the debt counseling commercials. Some are respectful of your rights under the law.

Collectors have to study and pass tests with their companies in many cases before they become collectors. They know the laws that they legally must adhere to as collectors and they can actually be fined for breaking the law.

When the collector calls you an excessive amount of time per day that is one form of harassment. This harassment can be stopped. You have protection under the law against certain abusive tactics that some collection agencies employ.