When most people take on debt they have the intentions to pay it back process that was unforeseen such as job loss or illness. When this happens and you are unable to pay your debt on time it can result in collection calls. During a time when that is the last thing you need. There are certain rules that debt collectors have to follow to stay within the law. That is why many people that are getting harassed by debt collectors have to call for help to make them stop. Debt collectors are not allowed to threaten anyone nor are they allowed to make untrue statements. There times of contact are not before 8 a.m. to 9 p.m. Any company not following these guidelines are breaking the law. There are companies that actually by delinquent accounts from other companies. These companies are Portfolio Recovery companies and their goal is to collect the debt for themselves because your account has been sold to them. If you are dealing with any type of debt collectors you need to understand the law. You do have rights and the collectors have laws they must follow. If they do not act within the law they can be charged with fines.