Back when i worked as a collection agent almost 16 years back. I am from India and I got a job with GE Capital International Services.

America was a dream country for me (it still is). Great people, better facilities, great roads, amazing restaurants, big universities and a lot more.

I was full of enthusiasm and energy. Ready to collect money due on the Car loans and JC Penney cards. As per my job requirements, I spoke to a lot of people in all the states in USA. People had different accents, backgrounds, interests. Most of them were friendly. They were all fun to talk to and nice.

With time, I realized a thing about many of them, that even if they wanted to pay, they could not take care of their bills. Single working mothers, big family to take care, lesser number of jobs, inflation were a few reasons…

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