Debts have a way of keeping you awake at night because of the thought of losing your home or other assets. A worrisome debt stays at the back of your mind every day until you clear it, especially if you have creditors contacting you at all hours of the day and night. Something that will ease your concerns is this: there are provisions that a debtor has under the law that protects them from harassment by the creditor or their appointed collectors. When the creditor cannot collect from you, they will most probably forward it to a debt collector.
The collector makes a commission, based on the amount of money they collect. They could also buy the debt off from the creditor so that they become the new creditors. They will, therefore, be on your back in a highly motivated way, calling you repeatedly to attempt collection.