Collections on debt can be very stressful and embarrassing . Threats and vulgar language can drive you to your stopping point. What can you do about it, and what you should do about it. First learn why they are calling, make sure you are the right party, and determine the age of the debt. Most states after 3-4 years they cannot do anything about, well as far as legal actions, please check your state. If not obtain an attorney or settle out of court.