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Being harassed by a debt collector through endless text messages is frustrating. But there is a silver lining of sorts. Under the FTC rules, you can actually sue the creditor for an entitlement of $1,500 for the first unsolicited text message, and additional money for each harassing message after you inform them to cease their actions.If the debt collector withholds information or refuses to answer questions about your debt. Be aware that when a debt collector calls, they are required to first confirm that you are the appropriate person to speak with about the debt - if a debt collector asks you to confirm your identify first, this is a sign of a legitimate debt collector. This law prohibits debt collectors from engaging in unfair or deceptive acts or practices in the collection of consumer debts and requires debtors to act fairly in entering into and honoring such debts. It also requires a collector to stop collection when an alleged debtor furnishes a police report of identity theft and other information.