Is there anything inherently shitbag about collecting debts? As long as you’re professional, follow the regulations and treat the debtor fairly, I’m not sure what the problem is. The debtor presumably agreed to take on the debt and still owes the money until either it’s discharged or they’ve paid what they owe.

There are obviously a load of shitbags in the debt collection industry, but the only way to change that is for non-shitbags to get into the industry and replace them.