There are numerous protections in place to help debtors with hassles. The Wisconsin Consumer Act was created to prevent specific collection practices and to regulate certain credit transactions. A similar law is the Fair Debt Collection Practices Act. This provision was passed by Congress in order to put an end to the abusive tactics that are occasionally employed by collection agencies. This law extends to all types of debts, including household, personal and family debts. An example of a restriction imposed by the law is that creditors cannot contact a third party, such as a neighbor or family member, in order to reach you.