If the debt collector has stopped calling you, don’t assume they gave up on collecting the debt. It really only means they gave up calling you to collect the debt. Sadly, it is only a matter of time before they decide to sue you. Because they can’t get you on the phone, they have no other recourse to get their money. As this article points out, these lawsuits are on the rise.
Best advice: Instead of ignoring the debt collector, hire an attorney to represent you. In California, once you are represented by counsel, the creditors and debt collectors have to channel all communication through your attorney. This way your attorney can take the matter off your hands so you can focus on creating income. This will also help curb the possibility of getting sued since your attorney will be negotiating a deal giving your debt collector a recourse other than a lawsuit.