One of the most frustrating things about having unpaid debts is the relentless calls you will likely receive from creditors and debt collection agencies seeking payment. If you miss payments on the debts you owe and become delinquent, your creditor will likely start calling you or sending you letters at home or at work demanding payment and/or threatening legal action against you. One advantage of hiring an attorney and proceeding with a debt settlement is that your creditors will be instructed to contact your attorney directly, thus relieving you of the stress of credit harassment.