I can see value here... (Score 1)

I work in the late stage credit card collections department of a *very* large American bank. I can honestly say that a good part of the reason for people getting all the way to the 120th+ day of collections efforts by a debtor is because THEY DON'T PICK UP THE GODDAMNED PHONE. Letters, calls, and even legal demands for payment on large-balance accounts are often ignored, and many times people will simply go running to credit consolidation companies to take their troubles away (which sadly, in many cases, are scams wholly unto themselves). In the rare event that someone does pick up the phone, I'm dealing with someone who has no responsibilty to the debt they owe, and who would be more than happy to let their credit rating go to shit rather than set up a mutal agreement to pay money that they were all too happy to borrow in the first place. To those of you who question the morality of such service, I ask you this: If you loaned someone you didn't know very well several thousand dollars, and were met with blind indifference or outright disrespect when asking for your money back as that person had initially agreed in a legally binding contract, what measures would you take to increase your likelyhood of seeing that money again?