When a creditor does sue you, and gets a judgment against you, he can then get a court order directing the sheriff to seize your personal property and sell it, with all moneys realized going to the creditor to satisfy your debt. In other words, they hide their assets or move them out of state before the sheriff or marshall arrives. This is illegal, but is done as often as not. This is done by getting a court order directing your employer to set aside part of your wages or salary every pay period and turn it over to him. If you have no job, and no visible assets, or you live in a state where your wages cannot be garnished, your creditors actually have very few ways of ever collecting from you.
Many techniques used by creditors and collection agencies are illegal.
But he is forbidden by law to harass you or invade your privacy, or use deceptive means to get you to pay your bills. He cannot use foul and abusive language over the telephone, tell anyone besides you the reason for his phone call, inconvenience you or in any way threaten your job or your reputation in the neighborhood where you live. Still, the best idea for reorganization and settlement of your debts when you find yourself in an untenable position, is in person visits and explanations of your situation with your creditors, and a desire to explore other possible ways of mutual satisfaction without involving collection agencies or bankruptcy. Give it a try - it's a lot easier than most people realize.