For those of you being harrassed, this website is GOLD re: getting rid of overzealous and illegal collectors (for instance, they can't come back to you 20 years after certain debts etc.).
Once on the website, Clark Howard has a ton of very helpful links to gov't agencies dealing with this sort of stuff.
You need NOT preach to us about paying bills. Remember people are struggling in the economy.
When it comes to paying Wells Fargo, who raises their rates uncontrollably, as opposed to feeding the family, Wells can take a back seat. Show some compassion!
Financial Peace University teaches that debt collectors on the average only last about 3 mo. Some not that long. They work on commission and the more they collect the more they make.
Some are trying to make a living to pay their own bills at home and some are just unfeeling lowlife. Ones who have a conscience decide their soul and peace of mind isn't worth it - you think a collection company is going to take care of their employees if they ended up in the shape of us are in? Not every thing that happens to people is becuase they are deadbeats. I have a nephew who enjoyed collecting/repo-ing from a certain car manufacture - then guess who ended up in trouble themselves. I hope people who are ill will have a medical letter to send to their creditors - it might not help untl it goes to court but there are collection laws. Everyone ought to read them.
contact your wireless company...for a small fee every month you can block any number you want. of course, that $5 every month could go to pay the bills you can't pay...but I doubt $60 a year will put a dent in them anyway so its well worth it to pay the $5 per month if for no other reason than your peace of mind.