But not all agencies are "good collectors." According to "Good Morning America" consumer correspondent Elisabeth Leamy, there are several other rules that debt collectors have reportedly broken.
They are not allowed to call before 8:00 a.m. or after 9:00 p.m.
They must mail you a letter giving the details of your debt within five days of calling.
It is illegal for collectors to threaten anyone with violence.
Regardless of their tactics, however, Leamy said there is a simple way to get the calls to stop all together.
"All you have to do is ask for the name and address of their company," she said. "Then write a letter saying, 'Do not call me anymore,' and send it certified mail. By law, they must obey your wishes. The debt does not go away, but the harassment does."
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