If you have credit cards, owe money on a personal loan, or have a mortgage loan, you are a debtor. If you do not pay on your credit card or fall behind on your personal or mortgage loans; or errors on your account. You will be called by a debt collector.
Either situation you are protected by Fair Debt Collection Practices Act, in lamine terms this act places guidelines for everybody to be treated fairly
and restricts unethical collection procedures to take place. But you have to remember that you still owe this debt.