Remember that medical bill from two years ago you forgot to pay? Or that utility bill that still lingers in limbo? Well, with a few hundred calls from collection agencies on a weekly basis, your memory starts to quickly come back. Collection agencies start to become a tedious routine call in your phone log hen bills are too long overdue. We even label their phone numbers in our contact list as Unknown, ??? or the infamous DON’T ANSWER to duck and dodge their calls. Eventually, debt catches up with you in the form of these pesky employees. What do you do when one of those calls are answered? Here are a few tips on how to get debt collectors off your back and manage the frustration they inflict.