People who function as debt collectors must operate within the bounds of decency and the law.
Even if you are behind in paying your bills, you have the right not to be harassed or subjected to unfair or deceptive debt collection practices. The activities of debt collectors are regulated by state and federal laws. What they can and cannot do as they attempt to obtain money from you are set forth in a number of consumer protection acts. When they violate these provisions, they can be pursued in a court of law and the individual or class of plaintiffs rewarded by a monetary settlement, which could include court costs and attorney’s fees.