Richard Cordray: “We have to teach people and make available to them the tools so that they can learn more about how to handle their…”

If there were a basis for doing so, I would do so. But I am not going to scapegoat people just to satisfy you or anyone else.

I don't believe in a scorched-earth approach.

It is flatly against the law for a debt collector to threaten anyone, let alone a servicemember, with consequences that a debt collector has no ability to carry out.

That is an execrable practice. It is against the law. We have taken strong enforcement actions against it.