Is a debt collector calling and calling or sending you letter after letter? Clark Howard has a quick and easy sample letter on his site you can use to tell them to swallow a fork.
Under Federal Law, you can tell them stop. They do not have the right to keep contacting you simply to try to get you to pay. That’s called harassment.
If they still keep contacting you, you can sue them and win in small claims court and win cashola. Which you can then use to pay off your debts. Nice.