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the Fair Debt Collection Practices back is a federal law we also have a Florida counterpart that's very similar to that called the FCC PA and it protects against harassing creditors that are trying to collect debts using illegal means there's a lot of things they can't do they can't call you before 8:00 a.m. or after 9:00 p.m. they can't call you at work after you tell them not to they can't call relatives and discuss the debt with them there's a lot of things they can't do and one of the important virtues of this law is it allows you to hire an attorney where the attorney is actually paid by the other side out of the recovery because the law allows for the payment of attorneys fees if there is a violation it entitles you to $1,000 of statutory damages as well as any actual damages if for instance they were calling you at work and you lost a job so this is a very important law to try to take advantage of and to use as a guide in talking with your creditors you

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