Know your rights when a debt collector calls

When a debt collector calls, don’t let them push you around.

A third of consumers have been contacted by a creditor or debt collector in the past 12 months, according to a survey released Thursday from the Consumer Financial Protection Bureau. Of those consumers who had contact with a debt collector, 27 percent reported feeling threatened by the conduct of that collector, and 36 percent said they received a call at an “inconvenient” time between 9 p.m. and 8 a.m.

The survey was conducted from December 2014 to March 2015, and included 2,132 respondents.

“Responsible debt collectors that do their work with care and treat consumers with respect are a natural and even an essential part of the financial marketplace,” CFPB Director Richard Cordray said in the announcement. “Yet nobody should be surprised that debt collection drives more consumer complaints than any other financial product or service.”