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For many people, the only thing saving them from phone calls from the debt collector is the fact that their phone has been cut off due to non-payment. It just isn't easy making ends meet these days no matter how hard you work. If you are seriously in debt to the point that the stress is making you sick, stop worrying and seek help.
There are many government programs that can help you with your debt problems. The debt counselors can work on your behalf to secure affordable debt payments. Don't try and work your way through the struggle by yourself when there is help there for you.
Of course, there are some things you can do for yourself. If you haven't yet done a budget, start putting down everything you spend for a month. Every cent, even if it is just dropping change in a charity box, record how much you are giving. Once you know what you are spending you will know where you can cut back.
Also go online and look for money saving tips. Look for sites like moneysavingguide.com. Start cutting coupons from the newspaper. And look for special offers at the stores. Start managing your debt now to keep the debt collector away.