NEW YORK (WABC) -- Nearly 71 million Americans have debts that have gone into collections. So, what do you do if a collector calls? Don't panic, Nina Pineda has your consumer bill of rights.

One of those rights includes the time a bill collector can ring your phone. By law, they can't call you before 9 a.m. or after 8 p.m.

But they can, will, and do stalk your social media, so if you owe, be careful what you share.

Debt collectors in your DMs?

"I've seen it happen," said Leslie Tayne, a debt relief attorney.

Tayne has fielded angry calls from collectors.

"We saw you client on social on vacation. We saw your clients showing off their new car, the new clothes they bought," Tayne said. "They're out on the town, but your clients are telling us they can't pay us, so how are they doing al

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