You are protected under the
Fair Debt Collection Practices Act (FDCPA). Under this act, it is illegal for a creditor to harass you in order to collect on a debt. This means you are protected from abuse such as incessant calling after hours, calling your place of work, your friends, or your family, threatening or insulting you, slander, misrepresentation, and a variety of other
harassment techniques. In addition, once you have retain a lawyer and filed for bankruptcy, creditors are required to send all communications through your attorney. It is important to know that you have rights and that they should be protected.