they're very disciplined people. they're not afraid of rejection. >> one thing i want to make clear is that debt collection in general is a legitimate business. >> sure. >> and so, i don't want to disparage the business in general. but if you look at some of the players in the game, especially here in las vegas, you see that the collection tactics they use, like calling at odd hours of the day, calling multiple times per day, telling people that they're gonna go to prison for a debt, telling people that they've opened a case against them and making up a case number -- these are things that i see all the time, and they're things that are obviously clear violations of the federal law that we use to file these cases. >> if people realize that didn't owe, they probably say, "well, yeah, you owe $100. we'll settle for $50." i'm sure that's a common tactic. >> it is. it is. i've seen as low as $16 in some cases, where they claim that they owe $16, and they have no verification, no basis for it. and they'll tack on fees on top of that to make, you know -- "so, oh, you're gonna pay for this debt? well, now you have to pay for our attorneys' fees or our costs." >> and if you're wondering what