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Debt collectors are highly motivated to convince debtors to pay the debt because they work on a commission. This business model has created the reputation for bill collection agencies that we know today. The collector might engage in threatening behavior and harassment. However, like any other business they are governed by laws that prohibit certain abusive practices.

Obscene or harassing phone calls can be one of the most stressful and frightening invasions of privacy a person experiences. Fortunately, there are steps you can take to help put an end to these unwelcome intrusions.

The Federal Trade Commission assures that cell phone numbers will not be released to telemarketers at any time in the near future despite the claims made in e-mails circulating on the Internet.

The following are instances where you should consider filing a complaint with FTC against a telemarketer.

Here is a list of questions to ask each telemarketer when they call you. Print these questions, and put them next to the phone. Telemarketers are required by law to answer each of these questions. Write the answers down and as well as the date, time of the call, and anything else that will help you remember the call.

<P>The Federal government created the national registry in 2003 to make it easier     and more efficient for you to stop getting telemarketing calls you don’t want.   </P>   <P>You ...

Here are some tips that will help you guide your privacy. Individual consumers aren't the only victims of fraud. No matter whether the con artist uses the mail, the telephone, or the Internet, the best defense against scams is to follow these basic rules.