They may not act like it when they call you, but debt collectors have rules that must be followed when they contact you about a debt. For example, the collector can't call you before 8:00 am.
Debt collectors' guidelines are outlined in the federal law known as the Fair Debt Collection Practices Act, aka the FDCPA. When your rights under the FDCPA have been violated, you can file a lawsuit against the collector in state or federal court. Before you file suit, make sure you have solid proof of the violation.
For more information on the FDPCA and the rules that collectors must follow read Fair Debt Collection Practices Act Overview.
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