Have you ever been harassed by a debt collector? If you are a credit card holder, then most likely you have. Debt collectors for credit card companies can be annoying and inconsiderate at times. Yes, they are only doing their job. But even if a consumer has several hundred dollars in debt, he is still a client who has to be treated right.

It is for this reason that the Fair Debt Collection act was implemented. It was specifically is designed to ensure that consumers are protected from abusive debt collectors who almost always have this annoying habit of embarrassing consumers on the phone.

It’s important that you know your rights as a consumer. Knowing your rights will prevent you from being stressed out. You can always go online and read up on the Fair Debt Collection Practices Act to understand what debt collectors can and cannot do to you so that next time, you’ll know how to answer them accordingly.