A. There is a legal limit of 8am to 9 pm the creditors can call you as many times as they like. However if you start a Debt Management Programme we control the creditors to the extent that they cannot call you, they cannot write to you and they cannot harrass you. Surely that would be the first bit of releif you could wish for. If you call today we could have them 'off your back' within 5 days. Call now 05603 20 90 20 Standard BT line charges apply. Not a premium number