Please choose the correct ending to complete the given sentence: Education and Communications: [header] How to stop collection calls [title] Don't ignore debt collectors. [step] Answer the phone and find out if you owe money or not, what you can do to pay the money back while stifling collection calls, or even if it is just a mistake. Only after you completely understand the reason for the collection calls should you put an end to them.

Ending1: Don't allow a collection call to damage your fragile relationship with your boyfriend or girlfriend. Forgiveness is better than complaining about the collection calls, and will get you nowhere if you don't take time to acknowledge them. Ending2: Ignoring legitimate collection calls won't stop them. [substeps] The creditors have a legal right to collect the debt. Ending3: [substeps] If you have enough evidence to back up your decision to stop collecting, explain to the victim that they have the right to collect what they want. Let them know that they've made a mistake and will have to pay more than what is asked of them. Ending4: Sometimes people are calling because they just want to receive personal information, but sometimes they just need something in return for their payment. [substeps] Call the phone company at 1-800-983-9123 to ask what may be on your mind regarding collection calls.

Answer format: ending1/ending2/ending3/ending4