There are many industries that often get a bad rap from consumers, and debt collectors or debt collection agencies are on this list. If you look at other industries that also cause distrust and public complaint, without naming any in particular, they are usually the ones that supply an essential service that we have to pay for – and resent!

When you think of a debt collector, do you think of a heavyset person with a frown on their face, knocking insistingly at your door until you answer and cough up the money? This is no longer a truthful description – and in all fairness and reality never been – the face of debt collection, it’s more a reflection on us of the emotion it makes us feel.

What is the definition of a debt collector? You’re a debt collector if you contact a debtor to request payment of a debt – whether the debt is owed to you or another company. So if you are contacting a client to request payment of debt to you or your business, you are classed as a debt collector in this instance.