What can end up, as difficult moment, shouldn’t be. Don’t be afraid and use a good debt manager, either it’s your bank or you need to focus to remake your credit line, be assure you ain’t losing any deal out of collector agency. It could be helpful to manage to make a deal with them – when it is possible.
You are harrassed by the telemarketer that manage your call, ask for them to stop them from reaching you by phone, normally they will have a way to reach you when you are ready to make a move, into your local home by letter on your mailbox.
When in doubt about how many time they can call, you can have yourself remove from the DO NOT CALL (canadian list)
For credit consolidation: Article is available from Canada.ca