In my family's debt collection business, we make every effort to work with consumers (aka debtors) to help them pay their bills. But when all of our efforts have failed and the consumer isn't acting in good faith to handle their debt, we use legal means to resolve the issue. If we have a judgment against them, we're always on the lookout for an asset, such as a bank account or wages to garnish. Today, I served writs of garnishment to a few banks. That's the part of the business I really enjoy...finding people that don't want to be found, and finding assets they don't want us to find. Then I get to swoop in with a bank garnishment, yee haw. People don't realize how much dishonored checks and past due accounts can damage the bottom line of a small business, and I think it's cool that we're able to help these businesses recover their bad debt. Some people see bill collectors as the bad guys; I see the more heroic aspects of the role.
On that note, I'd like to clear up a few preconceived notions about bill collectors. I don't own a set of brass knuckles, I don't know how to break kneecaps, and my dad's name is not Guido.