This is really simple. When a collector is calling you, the debt is assigned to an individual collector to help you get your account current.
If you do not answer the phone when they call, and you just return the phone call, (which most people do not do or if they do they wait for days and days - making your situation a lot worse) you will get any random person who answers the phone and who does not care if you pay or not pay or whether or not they help you to stay current. If you answer the phone however, the person who is calling has a reason to help you keep your account current because you will remain in their portfolio month after month. Another reason to answer the phone is you may qualify for their assistance programs (within a number of days of being late on your payments) they have several assistance programs available, people are just clueless to this and avoid calls, because of ignorance. Also, if you are late one day on a car payment, you pay a per diem rate (daily interest percentage) being added to the end of your loan.
Sometimes this daily interest can be as much as $10 a day. Obviously, they are not going to tell you about it because they want to make that extra money, forget late payments of $10 -$30 dollars, the daily interest running is not a payment you see, since it is just added to the end of your note. Most people qualify for assistance programs without making payments when they are late, but it is those people who wait to return phone calls and or answer phone calls and therefore miss out on qualifying for assistance. People who do not return the phone calls are just ignorant.
And if you do not want a collection company to call you.
All you have to do is tell them "do not call me" and that's it they cannot call you. But some of the posts on here are from some people with no sense.