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Have you fallen behind on your debts? Have you started receiving phone calls from debt collectors? If you answered yes to either of these questions, you should know that you have legal rights that protect you from harassment from debt collectors.

The Fair Debt Collection Practices Act is a federal law that establishes standards for debt collectors in how they interact with you. This law applies to all household debt, such as medical bills and car loans. As this video explains, a debt collector is allowed to contact you in a variety of ways, including in person. However, the collector cannot harass or abuse you.