Before you decide how best to resolve your debts and get a fresh financial start, you should be familiar with the basic rules under which debt collectors operate. The rules for debt collection are generally outlined in the Federal Fair Debt Collection Practices Act and similar state collection laws (such as the Wisconsin Consumer Act). These rules govern how, how often and when original creditors or their debt collectors can contact you. Important changes to these rules are pending. See Consumer Reports article on the proposed changes at: These pending changes would allow collectors to call you more often, to contact you by email, and to contact you on a potentially unlimited basis on social media. There are several steps you can take to protect yourself, limit these contacts and stop harassment. Please call an experienced debtors’ rights firm to help guide you through this process.