
Unusual Jobs: Inside the life of a debt collector… What happens when someone owes you money?
Published on 28 Aug 2026
Someone owes you money. You've called, messaged and waited, but nothing happens. So what happens when a professional debt collector steps in?
Leroy Frank Ratnam of JMS Rogers explains the real process behind debt recovery, the people they deal with, how negotiations work, the challenges they face and the misconceptions surrounding one of Singapore's most misunderstood professions.
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