Been doing collection calls today and here's a few tips
1)Stop putting your family/friends down as a reference or emergency contact. We will call them about your bills
2)If you wanna stop calls give them a random number to a business, school, or whatever.
4)I deal with gym memberships so read your contract before you go sign a 32month contract then find out its not as easy as you thought it was to cancel.
5) Again, peep your contract. Find out when your annual dues are and what fees they charge for declined/late payments. Saying "They didn't tell me all this when I signed up " just shows your own ignorance.