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The debt collection agency industry has relied on the customer's availability and willingness to respond to the debt collection activity by using a phone-first approach. This has over time produced a bad customer experience that is often unpleasant, leaving the client feeling disappointed, angry, and embarrassed. Digital debt collection methods have changed lenders' perspectives. Customers have been effectively engaged by eradicating any negative ideas and highlighting the lenders' willingness to help them. The consumer and the lender now have a relationship that is advantageous to both parties.