This is about debt-collection for unpaid bills. According to the article, it's clearly a broken system that punishes the most vulnerable in society, but still, the headline is an inflammatory (and clickbait) way to present that.
Uh, no, the headline pretty straightforwardly describes what is happening. These are private firms, they should frankly have zero recourse other than simply not doing business with that customer again and reporting to other private firms that track credit scores.
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