3/15/2011 12:22 PM (PST)

Call a reputable nonprofit credit counseling agency (they are free). They will identify and explain your debt repayment options and help you with ongoing budgeting. The National Foundation for Credit Counseling's direct agency referral number is 800-388-2227. This will connect you to an accredited agency in your area. These agencies maintain strong service and case management quality standards. There is another association, www.aiccca.org, that is a network of counseling agencies that also abide by strong quality standards. Their network number is 866-703-8787.

3/15/2011 12:23 PM (PST)

Also, check this article out: "How To Deal With a Collection Agency" at
http://www.la.bbb.org/GIReport.aspx?DocumentID=69

3/26/2011 5:23 AM (PST)

Has the debt been validated yet? If not ask them to get it validated. If they fail to do so, send them a cease and desist letter and ask them not to call you anymore.