Credit card debt is not a problem to be taken lightly. If you won't take action right away, credit card debt can lead to worse debt problems or even towards bankruptcy. This article discusses debt consolidation loan as a way to get out of credit card debt. But first what is a debt consolidation loan?

The loan can be used to pay off your existing balances from all your credit card accounts. It is no secret that credit cards often come with high interest rates. Paying off your balances at once will prevent your debts from continuously building up. Also, interest charges and late penalty costs can be avoided. What kind of debt consolidation loan should you obtain to pay off credit card debt?

You should not be contacted before 8am or after 9pm. There is a rule as to the appropriate time to call a borrower to collect debts. Under the FDCPA, a debt collector must not call a borrower during inconvenient hours unless the borrower requested for a call back.

You should not be contacted in your work place. A debt collector must not attempt to collect debts from the borrower's place of work especially after being advised not to.

Debt collectors should not use abusive languages or threats. It is important to remember that debt collectors should never resort to abusive treatment regardless of how big or small the amount of debt is.

Contacting you through postcard is not allowed. Collecting debts using means that are designed to humiliate the borrower is a major violation. The details of a person's debts are supposed to be a private matter and one that must not be exposed in public.

Debtors should not try to contact any third party about your debts. Debt collectors must contact the borrower or the person in-debt to discuss the collection. If the person is not available to talk to, the collector must not disclose any detail about the debt to a friend, relative or a third party.

Debt collectors must not use false statements. Do not fall for debt collectors who may try to blackmail you using threatening statements. If a collector informs you that a case has been filed, verify if this information is true. In case you find that a collector is using lies to force you to pay, you should report it as a violation of your consumer rights.

Debt collectors should not disguise themselves as someone else. A debt collection agency must disclose their identity before making any debt collection attempts. The agency must never use government agencies or credit bureaus to inflict fear to a consumer.