Hung up on debt: Complaints about collections calls are up nearly 200%. Make sure you know your rights

When James Reinhardt’s phone started ringing over and over, he thought it was just a temporary annoyance — maybe a billing question or a stray spam call. Instead, the calls kept coming, day after day, each one a reminder that something had gone sideways with his plan to get ahead of his credit card balances. Like many Americans trying to take control of their finances, Reinhardt told CBS News Pittsburgh that he believed he had signed up for a debt consolidation program that would simplify his payments. W ...