Kentucky residents may know that debt collectors must stop calling them if they are asked to in writing. However, a survey from the Consumer Financial Protection Bureau found that debt collectors contacted 75 percent of respondents who asked them to stop doing so. The CFPB sent a survey to 10,800 people and received responses from roughly 2,000 of them. In many cases, a debt collector was contacting an individual about a debt that wasn't theirs or was for the wrong amount.

By law, debt collectors are not allowed to threaten or harass debtors. However, more than 25 percent of respondents said that they felt threatened when they last spoke with a debt collector. About 40 percent of respondents said that they received phone calls more than four times a week. Furthermore, some of these calls were coming before 8 a.m. or after 9 p.m.