jill

how should I deal with them? How do debt collectors work? - if you don't think you owe that debt Write them a cease and desist letter telling them to stop contacting you regarding that debt. However if they insist that it's yours - have them verify it. If they continue to harass you, report them...

Getting out of debt for dummies - There are two popular and relatively effective debt relief programs for unsecured debts. Credit Counseling (Debt Management Plan) and Debt Settlement.