If you are in debt and unable to pay your lenders there is absolutely no avoiding the phone calls that will be heading your way. Ignoring them is an option, but not a wise one. Debt collectors sometimes resort to bullying and harassment, especially if they are a third-party collection agency. These agencies will buy your debt for less than you owe, or work on a commission from the company you owe. As such, they have a lot of incentive to recover your debt.
