Hey Chevygal,

As far as debt collectors, under the "Fair Debt Collection Practices Act",once you tell them over the telephone not to contact you further at home or work,by law,they cannot. It is better(and documented w/Cert. mail) to send them a written letter advising them not to contact you. If they do,you can sue them. For more info,contact the FTC
They will mail you,free, tons of literature regarding your Consumer Rights.
J.