Seek legal redress: this is one way in which you can deal with rude debt collectors. This is especially important for people who come claiming money from you every month or every week. They have to be made to understand that you are a client and that you have rights of your own. Many people hate the displeasure of having to deal with debt collectors and the experiences should be kept at minimum. If you are totally broke and have no money whatsoever, here are some ways in which you can avoid the constant headache of debt collectors at your door.
Consolidate all your debts: You do not have to deal with debt collectors from three credit card companies and the insurance and the bank for mortgage. Have all your debts consolidated to one huge debt owed to one creditor. This way, you will only have to meet with this one creditor over the set period of time when you are supposed to make your payments.
Pay your minor debts: You do not have to borrow from each and every place. Start paying off your debts starting by the smallest because you will actually decrease the amount of people you owe money. Sometimes borrowing from people you know will be patient with you such as family is better than going to brokers and shylocks. Remember some of these illegal lenders can even be dangerous especially if you do not give them back their money.
Declare bankruptcy: This is the last resort and one should only do this if they have no other alternative. If you have too many debts and you do not want to lose some assets in your house such as basic living necessities, declare bankruptcy and have a fresh start. It may stop you from ever running for public office but then how many people actually run for office?