Owing people money is not enjoyable. I remember when I was younger there was a time I would sponge money from friends family or whoever would lend me anything in their pockets. As eager as they were to hand me money, I was nowhere near as eager to pay back the said funds. I became that man that you wouldn’t want to give money to; the irresponsible spender that couldn’t rub two to quarters together. As I grew older though, I learned that the importance of debt and repaying the debt owed to another person was important and impacted my personal life significantly. I would learn to avoid becoming trapped in the pitfalls of bad debt and the collection companies that could possible make my life a living hell.

Collection companies if they could be compared o anything it is that of a secret mole. Like a James Bond for the bad debt business, collection companies make it their business to go after what they perceive as the villain of careless finances. Sometimes I would think that collection companies would send agents to spy on your every move to make sure you would be available to answer the phones when they want you to. I swear sometimes I feel that if I were to transgress into my old incompetent ways, collection companies would send their agents to keep cover in my bathroom. Nothing like stepping out of the shower and finding a collection companies agent holding my towel and insisting money for it.

The phone calls that collection companies make must go beyond the millions. There has to be millions of people out in the world that are just unable of paying their bills on time, sucked into the void of bad debt, in order for such a business to thrive. If the collection companies stopped making the obscene phone calls to relinquish the bad debt I think they would resort to physically kicking don the doors of the delinquent payer and force feed him cornflakes until they decide to settle the bad debt. That is a lovely icon isn’t it? I’d say the methods of collection companies could possibly walk the line of a Guantanamo Bay security guard.

Think about this, if there were no collection companies, who would clear up bad debt? There is not a single company that would ever want to try and handle this duty. I can’t imagine any company for that matter wanting to resort to the limits that these collection companies resort to. If I had owned a business and was owed several hundred dollars by someone I would make a few attempts to collect then I would just write it off as a loss and never sell to that person ever again. I would put images of their sorry selves next to every register and refuse service to them. Eventually I would probably never get my money ever again and could possibly lose my business in the process due to the excessive bad debt of others.

Collection companies are perceived as the foam of the financial universe. The bad debt in this country is dispersing like a cancer. The only remedy for bad debt I think is to stop being incompetent and irresponsible. Collection companies are the crutch of the business world that let companies skate in the job in collecting their own debt. Like hiring a bully to beat up a smaller bully that stole your lunch money, businesses will resort to the collection companies before being civil human beings. Sadly, collection companies are what they are and there is one unfortunate truth that all victims of bad debt know: You can’t get rid of them.

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