Somehow I sense that this is the tip of the iceberg...I think we will see more banks (and other companies) moving in to take advantage of weaknesses here in the US.
Speaking of collection agency behavior, I recently got a robo-call on my cellphone meant for some other person in another state who was behind on their satellite TV bill. Luckily it was just the one call, not every-hour-on-the-hour repeat calls. Super creepy! (Since I couldn't just block the number on my iPhone without involving my cell carrier, I tried to upload a "silent ringtone" to assign to the number, but I couldn't fully figure out how to do it since I think it will need more work in iTunes before I can use it. ..oh well! ).