There are some debt collectors that have started using social media sites, such as Facebook, to contact debtors about their debts even when they have other means of contacting the debtor.

According to a recent NPR report regarding the student loan debt crisis, the national student loan debt total surpassed the one trillion dollar mark in the Spring of 2012. For millions of Americans, student loan debt is a source of extreme stress with little to no legal protection for the debtor.

Despite protections from the Fair Debt Collection Practices Act (FDCPA), debts collectors are increasingly becoming more aggressive in their collection methods, particularly against consumers who are facing debt for the first time. This is because the number of consumers being pursued by debt collectors is growing.

The recession has caused a lot of financial damage to Americans all across the country. With shrinking incomes, a lack of jobs, high gas prices, falling home values and other overwhelming expenses, credit cards have become an ever important resource to struggling families.