A debt collection agency supposed to function under the guidelines of federal law known as the Fair Debt Collection Practices Act. This fact lists out several things that are supposed to determine the behavior of a debt collection agency. For example, a debt collection agencies only allowed to call you with an certain times of the day, they cannot ask you to pay more than what you owe or threatened to sue you if they won’t or can’t. Any violation of your federal right can be reported to the federal Trade Commission and entitles you to sue them for actual damages plus $1000 in punitive damages. Every year the federal Trade Commission receives thousands of complaints about unfair and unlawfully practices implemented by the debt collection agencies. Thousands of complaints are about a debt collection agency calling outside the allowed time of the day alone.