If you believe that you are a victim of these collection practices, you should contact a law firm that practices consumer protection. It would not hurt to read up on your state’s consumer protection laws. It may be the case if you live in Massachusetts or a state with similar laws that you have more protection than what is available to a resident of another state. Even if this is not the case, it may be worth reading Cornell Law School’s summary of the Fair Debt Collection Practices Act or similar reliable websites that digest the law into common terms.