When you run into credit problems and lenders have transferred the amount you owe to a collections agency, it is often a frightening experience that you should always try to avoid. Collections agencies can be ruthless, and the harassment is often a big incentive to keep up with payments for most people. This harassment can be so brutal, in fact, that the government has the Fair Debt Collection Practices Act in place to protect people in financial trouble.

The act is a federal law that protects people from the harassing calls and abusive collection styles that some collections agencies gravitate towards. The FDCPA is applicable to third party collectors that have purchased overdue accounts from the original creditor to collect your debt. That is to say, collection efforts put forth by people other than those to whom you owe the original debt are the only ones who are restricted by this act. The original creditor is not phased by the implications of the FDCPA.

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