<human>: 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.

Can you condense the text into three sentences or less?
<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?