What you're talking about would typically be considered illegal in the United States under FDCPA (Fair Debt Collection Practices Act) so I'd imagine it would ha

What you're talking about would typically be considered illegal in the United States under FDCPA (Fair Debt Collection Practices Act) so I'd imagine it would have to be a private message. (For more information about debt collection, I'd recommend https://www.consumerfinance.gov/consumer-tools/debt-collection/ https://www.consumerfinance.gov/consumer-tools/debt-collecti... ) Even if you improve collection practices a tenth of one percent, however, you're still talking big money so I see the appeal of the market size and any potential improvement.