[preston4tw]

I thought it was an interesting read and it would be interesting to hear a summation of why you left the industry.

It also made me consider the possibilities for a sort of vertically integrated debt collection company. Someone that's had a debt sent to collection is possibly a good candidate for financial literacy education, credit rehabilitation, debt consolidation and refinancing etc. Can debt collection serve as a sort of loss-leading subsidiary for a bigger business that provides financial literacy and services to people that need it?

[BobJS]

I left because I fell in love with building software and I hated debt collections.

The financial literacy angle is interesting but there's an even arguably more predatory industry around credit repair. People tend to stop caring about their credit until there's a life event like wanting to buy a house. Then they only care until the score hits 640.

Arguably Credit Karma uses credit scores and credit literacy as the hook which is probably a loss-leader because they need to pay for the scores.