It’s usually best to contact creditors yourself if you run into financial difficulties, to try to work out payment arrangements and avoid having the debt sent to collection. But you do have certain rights when dealing with a debt collector, under a federal law called the Fair Debt Collection Practices Act.

Here are some questions about debt collections:

■ What should I do if I am contacted by a debt collector?

A debt collector is required to provide a “validation” notice within five days of contacting you. The notice must state basic information, like the amount owed, the name of the creditor owed the money, and what to do if you think you don’t owe it. You then have 30 days to dispute the debt in writing. The New Economy Project, an advocacy group, offers more details and a sample dispute letter on its website.

■ What if a collector is being abusive?

The Fair Debt Collection Practices Act bars abusive and deceptive collection tactics, which means that collectors can’t threaten you, trick you or harass you with late-night phone calls. But for now, the law applies only to third-party collectors and not to businesses, like banks or hospitals, collecting their own debts. The Consumer Financial Protection Bureau is considering, as part of an update of debt-collection regulations, whether creditors that are collecting their own debts should face similar restrictions.

If you feel you a collector is being abusive, you can complain to the bureau on its website. (The bureau now has primary responsibility for the fair debt collection law, but it shares enforcement responsibility with the Federal Trade Commission.) You can also complain to your state attorney general’s office, since some states have their own laws governing debt collection.

■ What if I get a notice that I’m being sued?

If you are notified that a collector is seeking a judgment against you in court, “it’s very important not to ignore the notice,” Ms. Parrish said. If you don’t show up in court, the collector’s suit can go unchallenged — even if it’s inaccurate — and that may result in a default judgment against you. That gives the collector the power to take stronger steps, like garnishing your wages. Dealing with legal action can be overwhelming, so getting legal representation is crucial, Ms. Parrish said. You can try contacting the National Association of Consumer Advocates for free or low-cost legal help.