http://www.msn.com/en-us/money/everydaymoney/what-to-do-when-a-debt-collector-calls/vi-AAfYMai?ocid=BDT3DHP
A call from a debt collector doesnt have to be an intense one. If you know your rights it might help to ease your nerves. If you want to see if a collection bill is lingering on your credit reports, you can get your free annual credit reports once a year at AnnualCreditReport.com.