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    When you're dealing with debt, one of the most stressful things can be constant phone calls and letters from debt collectors. Fortunately, there are a number of types of protection and techniques to help you deal with them.

    Guidelines have been set for what debt collectors are allowed to do (and not allowed to do) in attempts to collect outstanding debts. These rules are set out in the Fair Debt Collection Practices Act. For example, they can't call before 8:00am or after 9:00pm or continue to make harassing phone calls if you have requested they stop.

    You can find the full text of the FDCPA at the following website:

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    re a number of types of protection and techniques to help you deal with them.

    Guidelines have been set for what debt collectors are allowed to do (and not allowed to do) in attempts to collect outstanding debts. These rules are set out in the Fair Debt Collection Practices Act. For example, they can't call before 8:00am or after 9:00pm or continue to make harassing phone calls if you have requested they stop.

    You can find the full text of the FDCPA at the following website:

    http://www.ftc.gov/os/statutes/fdcpa/fdcpact.htm#801

    As a result, you've got a few

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    to do (and not allowed to do) in attempts to collect outstanding debts. These rules are set out in the Fair Debt Collection Practices Act. For example, they can't call before 8:00am or after 9:00pm or continue to make harassing phone calls if you have requested they stop.

    You can find the full text of the FDCPA at the following website:

    http://www.ftc.gov/os/statutes/fdcpa/fdcpact.htm#801

    As a result, you've got a few

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    ple, they can't call before 8:00am or after 9:00pm or continue to make harassing phone calls if you have requested they stop.

    You can find the full text of the FDCPA at the following website:

    http://www.ftc.gov/os/statutes/fdcpa/fdcpact.htm#801

    As a result, you've got a few

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    he full text of the FDCPA at the following website:

    http://www.ftc.gov/os/statutes/fdcpa/fdcpact.htm#801

    As a result, you've got a few options. The simplest is to simply not answer the call. Most people have caller ID on their phones these days, and if you don't recognize the number of the person calling, it's a simple matter of not answering. If it is somebody you wanted to talk to, they will likely leave you a message anyway.

    If you do answer the call and it turns out to be a debt collector, you can insist that they stop calling you. This should be followed up with a "cease and desist" letter physically sent to them - they are legally obligated to stop calling if this has been sent.

    The most obvio

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