When you're deep in debt, every phone call sounds like a debt collector calling to ask you about overdue bills and late payments. But when they start harassing you with calls, that's when you can put your foot down.
Companies have the right to collect the debts you owe, but they have to be fair about it. That means there are limits on what they can do to get the money from you.
Of course, knowing what those are is easier said than done. No debt collector is going to explain the Fair Debt Collection Practices Act to you. But here are some of the things they can't do, no matter how deep in debt you are: