Debt collectors. The businesses took the risk when they loaned money or provided some kind of service on credit.

I don’t use debt collectors any more, but I have a construction company and a few times a year people just decide not to pay for their work. If someone really truly refuses to pay I could take them to small claims court, and I have, but it’s a ton of work and lawyers won’t bother with anything under 10k. I’ve literally had a judge say “so petty” about me taking someone through small claims for a $1200 they’d been dodging for years So some jerk can stiff me for $1500 and I have basically no recourse. I’m not talking about some impoverished person who I took advantage of, these are people with nice homes who make a habit of not paying bills. I’ll work with people who are short on cash and honest.

Even though debt collectors are 0/3 in the times I’ve used them, it’s at least something to fire off a final ‘fuck you and your credit’

I’ve noticed the same, and it’s horrifying when you think about the cost of all those ads and how it’s mostly funded by people with gambling problems