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Did you know that collection harassment by debt collectors and collection agencies is forbidden by federal law? That's right! The Fair Debt Collection Practices Act (FDCPA) regulates the behavior of debt collectors when attempting to collect debts.

Debt collection is a necessary business activity by which creditors can take reasonable steps to secure payment from consumers who owe money. But there are legal limits to the behavior of debt collectors, and sometimes debt collection agencies step over that line.

Here are some ways that debt collectors engage in practices prohibited by the FDCPA. when contacting you they call before 8am and after 9pm - no early or late calls allowed. They also cannot call you at work if you tell them not to.

They are also not free to disclose information about your case to third parties. And once they know you are represented by an attorney they cannot contact you directly.