A disclaimer: I have had substantially more at-bats with debt collectors than most people, as a result of an old hobby of writing letters on behalf of debtors to their lenders and non-affiliated debt collectors. I did this over the Internet, on my own volition, because it seemed pro-social and I was extremely underused by my actual job at the time. This experience leaves me with strong opinions on the debt collection industry; a frequent archetypical person in need of a letter was a Kansan grandmother in diminished financial circumstances who had been harassed for months. I’m going to try to keep these views to a dull roar here, in the spirit of spending more mental energy on discussing why the system presents as so broken.
People with a passion are not to be underestimated.