If you woke up this morning with a tension headache or a knot in your stomach because of your financial situation, it is probably not the first time. In fact, you know things have gotten bad if you start your day by planning how to avoid your creditors. Knowing that at a certain time of day the phone calls will start certainly doesn't make it easy to greet the day with any positivity.
While it may seem like those debt collectors are calling constantly, it is likely that they are acting within the limits of the Fair Debt Collections Practices Act, which permits and prohibits certain behaviors of creditors trying to get you to pay what they say you owe. It is important that you have a good understanding of those limits because some unscrupulous collectors may rely on the fact that not many borrowers know their rights.