Debt collectors are companies or individuals who are hired by creditors to collect money.
Debt collectors are limited as to what steps they can take against your property. Most debt collectors are not even allowed by the creditor who employs them to take those steps themselves. Usually, debt collection agencies can only recommend that the creditor take further action against you. It is usually not difficult to stop a debt collector from contacting you or others with respect to a debt. The federal debt collection law, for example, gives you the right to stop all collection contacts simply by requesting the collection agency to stop.