What Can Debt Collectors Do?

The Augusta Chronicle has a good summary of what debt collectors can and cannot do:

CAN contact you by phone, letter, email or text message as long as they identify themselves as collectors

CANNOT pretend to be someone else, such a government agency or credit reporting company

CAN contact you at work unless you tell them you are not allowed to take calls there

CANNOT call before 8 a.m. or after 9 p.m. unless you agree to it

CAN contact others to find out your address, phone number and place of employment but CANNOT contact them more than once or discuss your debt with them (except for your spouse or your attorney)