Unreasonable expectations of the collectors in terms of time management, procedural execution. Constant shifting of the sometimes inscrutable goal posts and bonus structure changes frequently. Little to no upward mobility or professional development, although the owner tells every collector they will be in management one day. Few educated professionals employed as most are "stuck" there because of a lack of higher education. The owner knows small incremental change usually goes unnoticed so he makes adjustments in that manner and and there's a new policy almost daily as a result of questioning the already questionable business practices. Minimal oversight of managerial interpersonal behavior, therefore a prescription for abusive behavior. This list could go on, but I think you're getting the idea. Although there's usually no tangible product, it's a veritable sweat shop, not unlike most collection agency/call center environments. Also zero benefits, zero.