Handling loan companies. If you fall behind in your loan, charge card or expenses, a debt collector might contact you. Handling loan companies. If you fall behind in your loan, charge card or expenses, a debt collector might contact you. an obligations enthusiast was someone who collects overdue bills. This could be on their own, and for a lender (such as a bank), service provider or commercial collection agency agency. Debt collection is actually legal.… Continue reading Handling loan companies. If you fall behind in your loan, charge card or expenses, a debt collector might contact you.