If you have delinquent financial obligations then you may be getting phone calls and dunning letters from your creditors, bill collectors, debt collection companies, and even lawyers demanding payment. Some of these collection techniques can place a great deal of pressure on a consumer and his family. Most consumers are aware that they have some type of protection against harassment but do not fully understand their rights. Even if consumers are aware of the Fair Debt Collection Practices Act (the consumer debt collection laws), they do not always know which parties are subject to those laws.

Identity theft is no longer an unusual occurrence. It is rapidly evolving and is quickly becoming a socio-economic inevitability. Identity theft is the fastest growing white-collar crime. It is a crime in which an impostor obtains key pieces of your personal identifying information such as your Social Security number or driver’s license number and uses them for their own personal gain. Identity pirates can gather all sorts of confidential information about you by prowling the Web. They begin with the misuse of your personally identifying information such as your name and Social Security number, credit card numbers, or other financial account information. Once they have this information, identity thieves may rent an apartment, obtain a credit card, or establish a telephone account in your name.