Under the Fair Debt Collection Practices Act (FDCPA), debt collectors are prohibited from engaging in harassing or abusive behavior. This includes repeated phone calls, calls at unreasonable hours (before 8 am or after 9 pm), threats, and false representations. You have the right to request validation of the debt in writing within 30 days of the initial contact, which requires the collector to provide proof of the debt. You also have the right to send a cease communication letter to stop further contact. If a debt collector violates the FDCPA, you may have grounds to take legal action. Contact The Kugel Law Firm for a free consultation to discuss your specific situation and understand your rights.