I have a lot of debt on my credit cards.  It is tough
Oh, sorry to hear that. Do you have a plan to pay it off?
My debt has been bought off by a collection agency and they are constantly hounding me
Have you checked into whether there are laws that can protect you from excessive hounding?
Yes The Fair Debt Collection Practices Act gives me some protections from abuse
What are the protections the law gives you?
The people collecting have to be licensed, and we get some protection from the most abusive and deceptive practices
Who do you complain to if you feel that a collection agency is violating the law?
The Federal Trade Commission helps provide consumer protections and would be helpful.
Well, hopefully you can get the debt paid off. Good luck. Do you mind me asking how you got over your head with debt?