Facing debt collection is stressful and there are laws in place to protect consumers. Debt collectors can be persistent, even to the point of becoming harassing and threatening at times. However, it is vital that consumers facing collections actions realize that they do, in fact, have rights, and these rights fall largely under the Fair Debt Collection Practices Act (FDCPA).
The FDCPA was signed into law in 1978. The law designates what type of behavior is acceptable by debt collectors and what type is considered abusive and unethical. The law was created to curb tactics that had largely gotten out of control by companies engaging in debt collection.