In my experience, it's not that organizations are unable to fix the collections sides of their orgs, it's that they don't care to on an organizational level. It

In my experience, it's not that organizations are unable to fix the collections sides of their orgs, it's that they don't care to on an organizational level. It's a lot easier to share a spreadsheet over email regardless of the consequences than to go outside your lane and advocate for spending resources to do something better. You aren't going to win any credit, debt collectors are going to complain, and the only people who might benefit are easily disregarded as leeches because the system thinks their account is delinquent.