<prompt> Human: Back in March I made this post To start with, Im alive. I currently work as a substitute teacher and part-time in a seasonal retail job. Despite that, I still have no money, and Im still very much worried about my debt. School is closed for Christmas, and my hours at the store are pretty much gone. After Dec. 30th I wont get paid again until the end of January. I havent been able to make minimum payments on my debts. I pay what I can to show that Im trying. I made a post here a few days ago and the response I got was to stop doing that and focus on making payments to one or two bills to get them current. But I may not be able to pay anything anytime soon because I need to update my car registration and insurance from my move from NH to NY I moved in with my parents, which is so wonderful being almost 31 and living with my parents in a housing development for semiors. If my car needs anything major from the inspection, then I might not be able to afford that. Whats the process of having salary garnished like? Is it incredibly unpleasant? Will there be people yelling at me? Im on the verge of tears just asking this; I couldnt handle standing in court being yelled at. Do I need an attorney? I clearly cant afford one. I learned from my original post that if I die, my parents wont get my debt but then my creditors will get to split up my estate. What happens if I closed my account and took the couple hundred I have out on cash. I could hide it and then no one would get it, right? Ive been trying so hard to get a well-paying job. Ive literally been applying across North America for work at libraries and schools, and Ive had few interviews and zero success. All I get is more stress, and more insults from my creditors when they call. Why dont you have money? We know youre working. Get a second job. You have one? Get a third!  <response>: more insults from my creditors when they call. Why dont you have money? We know youre working. Get a second job. You have one? Get a third!As someone who is in debt, you have the right to demand that they stop calling you.Yes, you do.You have the right to request that all communication will be in writing from now on. Believe me, they wont bother to write you insults. If they still call you after youve told them to only write you, you can sue them for breaking the law.Check out the explanation on the Fair debt collection practices act on wikipedia. 