When you are behind on your debt payments, every ring of the phone can fill you with dread. While there is no magic wand to make your debt disappear, there are some steps you can take to protect your rights when dealing with a debt collector.

The Fair Debt Collection Practices Act (FDCPA) enforced by the Federal Trade Commission regulates debt collectors. Certain behaviors are not allowed under FDCPA. A debt collector is not allowed to call you during unreasonable hours; too early or...