You hear the phone ringing again, and you just don't want to get up to answer it. While you don't have a sixth sense, you do have a strong feeling that it's those creditors again. Since debt feels like a burden to begin with, you might think there's nothing you can do to end these calls; but that's not true. Ask for experts online.
First of all, you must determine if these calls are even going to the right person. For example, you could be receiving calls for someone who once lived at your residence. While the calls are still annoying, this is an easier fix than being buried behind mounds of debt. In the event that the calls are meant for you, thoroughly read through the Fair Debt Collection Practices Act. This act does not protect you against all types of collections calls, but you might find that you are covered. Then, you'll be able to put an end to at least some of the calls. For example, the time of the day at which they are calling you might go against the terms of this act.
You should also be having a conversation with a lawyer. Doing so helps you to determine what your legal rights are in the matter and if any of them are being violated. Furthermore, you might not understand everything that the creditors are throwing at you on the phone, and you want to make sure you are relaying only the proper information. Therefore, you should speak with an attorney to find out what the questions means and how to answer them in the most appropriate fashion.
Ultimately, at some point, you may just have to deal with the debt. Since you own money to entities, you will have to find some way of resolving the issue. You can look into debt consolidation so that you are still paying off the bills but are doing so at a pace that makes more sense for your budget. In some cases, you may have to declare bankruptcy. This is probably not the solution you are looking for to get the phone calls to stop, but it help to bring you away from the debt and on the road to a brighter future. Even if you need to wait awhile to reap the benefits, they will likely feel more than worth it when you finally get to that point in your journey.