<human>: Provide a brief overview of the text.

Hello!  

I got myself in a bit of trouble with a credit card debt that I am trying to work out, but I would like to know what my rights are. Unfortunately the account is very past due, but I believe this is due not only to some economic hardship issues on my part, but also due to the lender making it exceptionally difficult for me to make my payments. I feel the creditor deliberately makes it difficult for their borrowers to pay in order to collect more in interest and fees.  

Are there any specific laws or acts I can refer to in order to determine if the debtor has broken any laws by making it more difficult than necessary to pay the bill? I hope that I can use this to negotiate a reduction of fees and bring the account current.  

Also, what consumer protection acts exist that I can check to make sure their collection department has not broken any laws? I have received collection calls from a robo caller which then leaves me on hold, and I am concerned this may be an underhanded tactic that would allow them to claim they had contacted me when in fact they had not.
<bot>: I am trying to make right a delinquent debt, but I don't want the creditor taking advantage of me or disregarding my rights. What acts/laws exist to protect me from being taken advantage of?