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1. A debt collector has a job to do just like everyone else.
Their job is to hunt you down, harass you, and squeeze
every penny they can get out of you. However, there are
guidelines put in place for them to follow as a part of their
pursuit.

2. If you are the target of a debt collector, you should know
your rights. Many debt collectors walk a fine line following
a code of behavior as they attempt to collect a debt from
you. The following suggests what you should know to
better protect yourself.

3. Under the Fair Debt Collection Practices Act, a debt
collector CANNOT:

4. - Contact you at your place of work

5. - Contact you by phone after you have sent a written letter
to them and request that they stop

6. - Contact you earlier than 8 a.m. or later than 8 p.m. based
on your time zone

7. - Express to others that you owe a debt - such as your
family, friends, or your boss

8. - Converse with anyone but you when they call (not your
children or other family members)

9. - Threaten to have your wages garnished

10. - Threaten to sue you (debt collectors do not have the
legality to sue you, only creditors)

11. - Threaten to have you arrested

12. - Send you unofficial papers that appear to be legal court
papers

13. The Fair Debt Collection Practices Act was established in
1977 when Congress realized debt collectors were
exercising deceptive, abusive and unfair debt collection
methods. Unfortunately, a number of divorces, volatile
marriages, job losses and personal bankruptcies were and
still are a result of obnoxious and unethical debt collecting
procedures.

14. Although the purpose and intention of the act was noble,
the term "abusive" is in the eye of the beholder. There is a
gray area when it comes to the definition of abuse.
Swearing, yelling and calling to harass you are considered
abuse. Keep in mind that when a debt collector pushes
you, you have the right to push back. Tolerating their
nonsense and drivel is not a requirement.

15. Debt collectors are trained to be belligerent, aggressive,
rude and dishonest. Their job demands it. In some sense,
you should not take their aggressiveness personally.
However, the more you know how they work and arm
yourself with knowledge; it will be easier for you to
exercise your rights.

16. The most important lesson here to learn is that it is not
necessary for you to speak with a debt collector until you
feel you are ready to do so. You are not obligated to return
their phone calls and you have the right to hang up on
them. They want you to feel threatened and powerless so
that they can produce results; it is their job. You have a job
too - to protect yourself.

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