If you owe someone money, a debt collector will be sent to collect the payments on behalf of your creditor. This simplifies the task for the creditor but it can also make your life miserable. It is hard enough that you are confronted with debt, dealing with debt collectors can be an entirely different issue. How do you determine if your debt collector is using the required procedure or if they had broken the line and start harassing you? If you need help with debt collectors, you will learn information you can use to identify legal methods of collection versus harassing methods. Your ability to identify the difference can get them off of your shadow.