If you owe money on your home or your car, if you are paying off school loans, or if you have credit cards, you are a "debtor." If you fall behind in your payments, you may be contacted by your creditor or a debt collector. The Fair Debt Collection Practices Act requires that your creditors treat you fairly.

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Certain types of debt collection are prohibited under this act. Creditors may not contact you by phone after 9 p.m. at night or before 8 a.m. in the morning. They may not contact you at work if your employer disapproves of personal calls.

You can stop creditors by writing a letter to them telling them to stop calling you. However, this will not solve the problem of your outstanding debt, and they can take legal action against you. The best way to stop creditors is to create a debt consolidation plan.

Debt management focuses on reducing debt by creating a manageable monthly payment which will in time eliminate your debt. Debt settlement companies have credit counseling service available to help you get a lower monthly payment. If you utilize their services, they will negotiate with your creditors to stop their phone calls and allow you to have lower interest rates.

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