Debt collectors must follow the Fair Debt Collection Practices Act, the Fair Credit Reporting Act and other federal and state laws, according to the Consumer Financial Protection Bureau. The Fair Debt Collection Practices Act ensures that debt collectors do not coerce debtors with unfair or deceptive collection methods.
It also prohibits debt collectors from calling at times and places they know to be inconvenient to the debtor. If the debtor retains an attorney, the collector must cease contact with the debtor and deal only with the attorney, explains the Consumer Financial Protection Bureau. Debt collectors cannot contact a debtor after receiving written notice to stop doing so but may still take other legal actions against the debtor. The Fair Credit Reporting Act ensures that debt collection actions are fairly reported on the debtor's credit report.