5 things to know about debt collector's calls

Being in debt is challenging enough before you add the pressure of the debt collector.

The nature of business doesn't lend itself to friendliness -- although they could give it a try once in a while. With so many people unemployed and the economy still gasping, more and more people are having to deal with this unpleasant situation.

If you are, you need to know the rules. The Fair Debt Collection Practices Act spells out consumers' rights in the debt collection process and puts restrictions on just how far a collector can go.