Debt attorneys help consumers to get out of debts. The consumers can resolve their problem by hiring experienced lawyers. It is a wise decision to contact an attorney whose practice focuses in that area of the law to discuss the situation, without obligation and strictly confidential. The Fair Debt Collection Practices Act (FDCPA) protects the rights of the consumers from all unfair, deceptive, or abusive practices. The right time to call a lawyer: There are instances when the collection agencies start harassing the debtors by calling them using abusive language and forcefully wants to get his debt back, the creditor can try out ways and means to harass the debtor by threatening to hurt, damage his personal property, using profanities over the phone or threatening to send him to jail. This is the right time to call a lawyer! The collection agencies secretly record the conversation: The right time to call for a debt attorney is when the debtors find out that their conversation is been secretly recorded. This is an illegal act of violating statutes that provides penalty in damages for every single recording. After all illegal recordings are very common with debt collectors. Dinging the credit report: Dinging the debtors' credit report is another tactics used by collection agencies. The credit results are at times dinged by the collection companies which in turn can prove things which you might not even be aware of. In the very next instance if you want to get a loan for buying a consumer product you would fall a prey to bad debts as a result of which you either land up in not getting the required loan or you need to pay a very high rate of interest. Thereby, things are crystal clear now as to how important it is to hunt for the right person to deal with debt settlements. The Fair Debt Collection Practices Act (FDCPA) is the Federal law that regulates collection activities for collection agencies, collection attorneys and business attempting to collect a debt "in-house." The FDCPA generally applies to personal, family, and household debts. This might include money owed for the purchase of a car, for personal charge accounts, or for medical treatment. "Debt collectors" are prohibited from engaging in unfair, deceptive, or abusive practices while collecting these types of debts.