Creditor harassment is hard to deal with when faced with massive debt. Some practices are not actually lawful, which many consumers don't know when they're actively being pursued for money that remains unpaid. The Balance recommends taking the following steps if you're currently experiencing creditor harassment.
If you're faced with massive debt that you can't seem to get a handle on, bankruptcy may be the best option for you. Most individuals file for chapter 7 or chapter 13, each of which entails different methods of relieving debt and satisfying creditors. Debt.org explains how chapter 13 works so you can determine whether it's the best option for you.