Collection agencies, their practices, and the rights of boththeir clients and debtors are often very misunderstood. When acollection agency begins the process of collecting against a debt,it is important that the debtor understand their rights, what isexpected of them, as well as how the collection process works.Third party collection agencies are a party that have no realinterest in the debt, the creditor, or the debtor. The Fair DebtCollection Practices Act highlights the practices and methods thata third party collection agency may or may not use to securepayment against the debt. Collection agencies are allowed toattempt to make phone contact with a debtor between 7am and 9pmlocal time. A collection agent cannot reveal the nature of theircall to anyone who identifies that they are not