A debt collector is any person who regularly collects debts owed to others.
Lawyers who practice collections law assist creditors in the collection and satisfaction of outstanding debt, enforcement of rights under liens, and recovery of court-ordered judgments. Debt collections attorneys may also assist clients in repossessing the real and personal property of insolvent debtors.
The Fair Debt Collection Practices Act (FDCPA) requires that debt collectors treat debtors fairly, and prohibits certain methods of debt collection. The act applies to third-party debt collectors such as people who work for a debt collection agency. It is designed to protect debtors from harassment by these individuals in the form of threats of arrest or bodily harm if you don’t pay.
Collectors can’t imply that they represent law enforcement, nor can they make multiple phone calls daily or call you at work if you refuse to take such calls.