TY JOUR TI Improving the activity of collectors as an element of protecting the rights of borrowers KW consumer credit KW collector KW consumer of financial services KW credit institution KW overdue debt JO Vestnik of the St. Petersburg University of the Ministry of Internal Affairs of Russia AU Gardaloev, A.S. PY 2022 IS 2022 PB SAINT-PETERSBURG UNIVERSITY OF THE MINISTRY OF INTERNAL AFFAIRS OF THE RUSSIAN FEDERATION