A consumer's rights concerning debt collection are clearly stated in the federal laws of the United States. In essence, these laws ensure that consumers can gain access to credit, which is only appropriate in the current market. More specifically, lenders are required to use only debt collection procedures that are proper, fair, and legal. consumers are only placed under collection procedures that are appropriate and fair. Under the Fair Debt Collection Practices Act (FDCPA), debt collectors in the United States cannot act using collection practices that are abusive, unfair, or deceptive. According to the FTC, this act covers virtually any personal, family or household debts, excluding those related to a business. The FDCPA firstly establishes time constraints during which debt collection can take place. C Collectors are limited to contact you at convenient times, which is usually considered as between 8am and 9pm. In terms of contact constraints, collectors also can't contact you at work, and must respect a written request to cease all contact. In an effort to prevent fraud and harassment, the FDCPA prohibits debt collectors to make threats use profanity, make false claims, lie, or utilize any other practice with the intention of deceiving the borrower.