If you have debt collectors calling you, make sure you know your rights. Federal laws protect you from the abuse some collectors dish out. Did you know, a debt collector cannot legally call you before 8 a.m. or after 9 p.m., unless you give them permission? Also, they cannot contact you at work if they know your employer doesn’t want such calls. If they lie about the size of your debt, threaten to take legal action, use profanity or harass you by repeatedly calling, they are breaking the law. For more information, check the Fair Debt Collection Practices Act at ftc.gov.