Debt collectors have to operate according to the rules outlined in the Fair Debt Collection Practices Act (FDCPA) on consumer-based debts. According to the law, debt collectors may call you, but only between the hours of 8 am and 9 pm. They may also contact you via U.S. mail, email, or social media. However, debt collector contact cannot be excessive or harassing in any way. Collectors also must stop contacting you if you request, except in the case to share important legal updates.