Individuals who owe debts sometimes face intimidation from creditors. How creditors treat debtors is regulated under North Carolina and federal law. Debt collectors may theaten to contact a debtor's employer, reveal the debts owed and try to garnish your wages. These are empty threats. If the creditor follows through with their threats they are violating state and federal law. As a result, the debtor could prosecute the creditor and potentially collect thousands--plus attorney fees.