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Are they calling your client at her home? I think that they are not allowed to call in NYC too frequently. There is some law about harassment. I forget the specifics, but you can look it up if you are really interested.
Since you cannot spend so much time on the phone, I think that faxing letters might help. The thing about collection agencies is that they just want the money. They are probably willing to re-negotiate terms and a payment plan. Tell them the situation and that your client is willing to rectify the situation when she is well. Most people are sympathetic, but they also want to get paid.
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