Debt collection is an integral component of American society, and as long as the United States remains a capitalistic society, the need for debt collection services will remain as well. Though the companies that collect debt have faced arduous challenges now and in the past – in 2008 it was the Great Recession, and today the industry contends with the ramifications of the COVID-19 pandemic – each and every time they have gotten back up, dusted themselves off, and made themselves stronger than they were before. In spite of it all, because of it all, the ARM industry is here to stay.