What can I do if a debt collector is not making arrangements for my bills?

It would be best that you have an attorney review the particulars and then act as a shield between you and the collection agency. Sometimes simply having an attorney in the middle helps a lot with misbehaving collectors.

This seems to be a violation of the Fair Debt Collection Law. Keep a log of the phone calls, who called, name of the company, and what they said. Also, make a recording of the phone call. Then seek legal advice. Disclaimer of California Attorney. Laws differ from state to state. Although the above response is believed to be accurate, it should not be relied upon as any type of legal advice because the information provided is incomplete. It is intended to educate the reader and a more definite answer should be based on a consultation with a lawyer. No attorney client relation is formed with me without a written contract. Good Luck starts with a strategy and a plan. The time is now to lower 2012 taxes.

You can write them a letter instructing them to no longer contact you, however, they may then proceed with the filing of a lawsuit, because they will have no less formal recourse after receiving your letter.

File for bankruptcy, get rid of all your unsecured debts, get a fresh start. The calls stop. You'll have an "automatic stay protection" which prevents them to call you for collections or any reason.