Collecting debt legally and without resorting to violence or coercion can be a very difficult task. debt collections are quite often one of the more difficult things that have to be done by a company. Finance and sales departments have to work together to come up with a viable plan that could help collect the debts. Debt collection nowadays is often facilitated by agencies that specialize in this kind of practice. The challenge is to get the debtor to pay their debts without the undue use of illegal means for collection.