Dealing with creditors and debt collection agencies is always a difficult ordeal. Their annoying and persistence way of tracking you down no matter where you are can be very frustrating for you, your family and even your fellow colleagues.

Fortunately, to protect the overly abused debtors, there is the Fair Debt Practices Act or the FDCPA for short. It is a federal law that bans unfair debt collection practices which will affect the quality of debtors