Let's say that we have a web service called NUCO where you can login and upload a spreadsheet of your debtors or add them manually and you click on "collect debt" button. NUCO then builds a profile of the debtor based on their social media profiles, etc and determines the best channel and the best tone of contact. So for example, if we have a C level executive who seems to be paying all of his other bills on time we would take a moderate, very respectful (almost apologetic tone) however, if we send a collections message to someone who clicks on the link and reviews his debt but does noting, system would increase intensity and "seriousness" of the tone in the email messages/phone calls.

Some context:

Since NUCO is not doing collections itself but is instead giving automated tools to do collections to the creditor - nuco is not bound by the same rules and regulations placed on the collection agencies.

NUCO would take a cut on a sliding scale, based on the age of the debt. If a freelancer or a contractor submits a debt that is "only" 15 days overdue, NUCO would take a small cut (say 5%) however, more overdue the debt is, NUCO would take larger cut (say, 15% for a 90 days old debt).

There would be an API that would also allow people to automatically send someone to NUCO for collections if, for example, debt is over X days old.

Being a smart crowd, what is HN crowd's 2 cents on this?