Many people face financial debt at some.
Debt can seem overwhelming, but often can be overcome. It depends on your level of debt, your level of discipline, and your prospects for the future. The Fair Debt Collection Practices Act is the federal law that dictates how and when a debt collector may contact you. A debt collector may not call you before 8 a.m., after 9 p.m., or at work if the debt collector knows that your employer doesn't approve of the calls. Debt collectors may not harass you, make false statements, or use unfair practices when they try to collect a debt.