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According to the Better Business Bureau:

• Debt collectors may not contact you before 8:00 AM and after 9:00 PM and they may not contact you at work if you tell them that your employer disapproves.
• Typically stature of limitations is between three to six years. Debts older than that cannot be collected. Check the date of your debt. Paying even a small portion of an expired debt may reaffirm the debt and trigger the obligation to repay it in full.
• In general, collectors cannot contact you after you write a letter to the collection agency telling it to stop.
• Collectors cannot contact your friends, relatives, employer and other except to find out where you live.
• Collectors are not allowed to harass you. No use of profane language, threats of harm to you or your reputation.
• Collectors cannot make false statements such as you will be arrested.
• Request verification of the debt. If there has been an indentity theft - police report is required.
• If you have a lawyer, then communication should be directed to the attorney.

Debt collectors have access to your credit files. They can check if you have bought a new home, have cable services or have recent purchases on credit. Bottom line - COMMUNICATE with bill collectors even your respond is you can't pay right now.