If a collection agency – or several – is after you, then it may be time to really get a handle on your debt, because situations like this can quickly escalate, and you need to make sure that you have control of the situation before it gets out of hand.  A debt collection agency isn’t out to get you, contrary to popular belief, but you do need to know how to manage your debts efficiently, otherwise it can really start to seem like they are actually out to make your life horrible.  There are a few ways to understand debt, and the best way to start understanding it, is to learn more about your specific debt.  What types of loans do you have, or what types of debt have you incurred?  Some people are drowning in credit card debt, or other types of store card debts, while there are those that seem more prone to having home loan or car loan debts that are too much for them – and their income – to handle alone.  If you find yourself in one of these two situations, the first thing you need to think about is putting down the credit cards and picking up the budget plan, because you are going from Prada to basics right now.  Once you stop spending – not all spending, just excessive spending – then you can begin saving and start paying things off that you need to pay off.   So kiss the commercial debt collection agency goodbye!