Consumer protection laws protects individuals from aggressive debt collectors. Although the laws vary from state to state, generally the intent is to hold creditors and debt collection agencies to strict conduct rules.

Here are a few:

Debt collectors may not reach you at odd hours, such as before 8 a.m. or after 9 p.m., unless you grant permission for them to do so.

Debt collectors may not contact you at work if they know your employer dislikes such calls.

Debt collectors must go through your attorney, if you have one, in regard to your debt. They can only contact a third party once about where and how to find you.

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