Debt should be resellable, but only with clear protection of both parties. That's impossible for "cents on the dollar" on a spreadsheet. At that point it's hard

Debt should be resellable, but only with clear protection of both parties. That's impossible for "cents on the dollar" on a spreadsheet. At that point it's hardly even a benefit for the original creditor. In many cases, creditors should be more picky about whom they lend money too. Especially if they can't afford ethical collection the question becomes: Should this company even be giving credit?