collection agency calling daily

The Fair Debt Collection Act prohibits certain conduct.  That includes calling at unreasonable hours and when it is clear that you cannot pay.  Unfortunately, your remedy is to sue which is time consuming and, at best, may only result in $1,000 to you.  Your attorney's fees would be paid by the debt collector if you win and you would not pay fees if you lose. I have found that bankruptcy is the most effective tool for stopping creditor calls.  You should consult a bankruptcy attorney near you to determine if it is a good option for you and if you are eligible.