If you are one of the lucky ones, you still have a job and thus have income coming in. For the truth of the matter is, there are many without a job, and thus without income. These people likely already have a mound of debt over their heads and with each passing day, that debt is getting bigger and bigger. That means phone calls are coming in incessantly from creditors demanding their money. This is especially true if the debt includes credit card debt.
Credit card collection agencies are some of the most ruthless in the industry. Not only will they call you all the time but they will often call your job and your family in an attempt to receive payment. They can cut off your credit at any time, they can limit the amount of credit you have or they raise your interest rate to insane levels. If you have a lot of credit card debt, and you are desperate to try and stop the phone calls, you may want to request a credit card debt settlement.