The damage has been done: You're deep in debt, and the collection agencies are calling. These people may have a harsh edge when they phone, but there are ways to make peace with a debt collector as you resolve your problems.

They don't kick down doors or tear gas homes, but debt collectors can be very persistent when they're trying to collect money. You can't really blame them, considering that their compensation is based on how much cash they recoup. If you don't pay your bills, they won't be able to pay theirs, either.

Fear not-you can keep a debt collector under control. Here are a number of proven ways to make peace with these financial pit bulls.

Play by the rules

After fielding complaints from constituents on the antics of debt collectors, the federal Fair Debt Collection Practices Act was passed. It stipulates limits on how and when these companies may contact you. Use the act to hold them accountable. You don't have to do it in an argumentative fashion, but letting collectors know that you're aware of your rights will hold them to a higher degree of professionalism.

Confirm legitimate charges

Identity theft is rampant, and the debt that these bill collectors are looking to recoup may be the result of a criminal act, not your own overspending. If you fall victim, you can file a written dispute within 30 days of the agency's first contact with you. After that point, the agency has to prove that either you owe the money, or concede that there's an error.

Strike a deal right off the bat

Instead of engaging the collection agency in a cat-and-mouse game, structure a smaller pay-off deal immediately. Generally, a collector's pay is based on the percentage of money they collect. If you agree to pay a percentage of your debt, the company may be willing to accept your offer: It's a case where something is better than nothing. By striking an immediate deal with them, you can also avoid the animosity that develops when you repeatedly refuse to cooperate.

Make war, not love

Another approach-one very far from the realm of peacemaker-is to refuse to deal with the agency at all. Don't take any calls or correspondence; eventually, your goal is to be considered part of the percentage of debtors who won't pay back.

One way to avoid debt collection agencies altogether is to contact a credit counseling service for help. These trained professionals can help structure a repayment system that satisfies collectors. Don't fall for the pitches of debt consolidation "experts"-be sure to use a non-profit credit counselor, and be sure to ask for referrals. It's one method to consider, especially if you're finding that your efforts to make peace are proving unsuccessful. It can also help you focus energy on the real battle: Getting yourself out of debt.