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“这世界上90%的烦恼，都能用钱来解决，剩下的10%需要更多的钱。”
这句话是老刘告诉我的。我刚认识老刘的时候，他还是一个小餐馆的厨师，时隔三年，他已经摇身一变，成了一家催收公司的刘主管。
凭口才吃饭，老刘是这样评价催收行业。说简单点就是，通知客户归还逾期的欠款，信贷机构返还2%作为佣金。
不过，愿意洽谈的人寥寥无几，更多人直接电话关机或者失联。
这时候，老刘就要使出看家本领：威胁。
欠款人都知道逾期失信的后果，但是比起这种后果，他们更害怕事情传播带来的颜面扫地。
而催收人恰恰会利用这一点：先通知客户的一名亲属，迫使当事人出面洽谈，如果不管用，就继续通知另一名亲属，直到他的所有亲属都知道这件事。
老刘说，很多欠款人，都是刚毕业的大学生，他们缺乏经济能力，又害怕父母知道。这种最容易要回来，只要通知到家里，父母都会帮孩子把钱还了。
对付不同的人，也有不同的方法。年轻人忌惮父母，最怕催收电话打到家里；中年人图工作稳定，最怕打电话到公司；年纪大点的人通常上有老下有小，最怕影响到家庭。
如何获取客户的这些信息，老刘也有自己的方法。
市面上的催收公司，都有负责开发程序的部门，老刘的公司也不例外。他有一个软件，只要输入身份证号或者手机号，就能进行全网检索。
在这种科技辅助下，他的催收工作更是如鱼得水。但是，并不是所有欠款都能要回来。
老刘也接到过无法回收的单子，那是一个走投无路的欠款人，因为债务的拖累，年逾四十还没谈婚论嫁。他掏空了家底和父母的养老钱，也还不清几十万欠款，最后干脆破罐子破摔。
“一个人40多岁没结婚，还背负着高额的债务，你知道这意味着什么吗？”老刘这样问我。
我当然知道。40多岁的年纪，人生已经过半，再过十几年又到退休的年纪。如果不出意外，这笔债务他要背负一辈子……
做催收行业，最忌讳的就是心软。老刘经常对员工说：“你们有空可怜欠款人，怎么不替公司着想？即使你们创造不出任何业绩，公司照样要支付你们的薪水，难道公司就不可怜吗？”
确实，欠债还钱天经地义，不管再大的困难，都不能成为欠钱不还的理由。老刘的这番话，其实是专门说给新员工听，因为新员工最容易犯同情心，比如催收员小五。
也许是缺乏经验，小五特别多愁善感，他觉得欠款人可怜：有人拿学费去还钱，也有父母卖了房子帮孩子还钱，因为欠款闹得妻离子散、众叛亲离的故事，可以说数不胜数。
但是，令人潸然的故事听多了，小五自然也麻木了，懒得去分辨真假。
小五说，他接过最难忘的一单，欠款人是一对年轻夫妻，女人怀胎九月，眼看就到了临产期，在这种时候接到小五的电话。怀孕的人脾气十分古怪，女人对小五破口大骂，结果动了胎气。
后来男人还清了债务，小五多嘴问了一句孩子怎么样，谁知男人轻描淡写：“没了，反正也养不起。”
小五一直追问我，他是不是做错了？
我告诉他，他只是尽了本职，做了应该做的工作，至于后面的结果，并不是他的本意。
那天，小五喝多了酒，跟我讲了他的经历。他说，他以前是一名外卖员，因为疫情影响连饭都吃不饱，在穷困潦倒之时，认识了现在的女朋友。也是从那时起，小五意识到自己的贫穷，于是下定决心努力赚钱。
当我问起为何选择催收行业，小五回答，因为这个行业的发展上限高。最厉害的催收员，一年赚了65万，业内的平均工资，也高达万元。
但是，高回报往往意味着高风险。
事实上，催收行业的工作内容，本身就是一种风险──私自获取客户的通讯录，将当事人欠款事项告知第三方，更有甚者，以捏造、夸大的事实来恫吓威胁，这些行为显然超出了法律和工作允许的范围。
一般情况下，只要不引起客户投诉，甲方信贷公司都会睁一只眼闭一只眼。而一旦发生状况，催收员就要自己承担全部责任。
催收公司的主管老刘就遇到过这种情况。有一次，老刘接到一个失联的单子，按照惯例，他联系了客户的父母，没想到对方有录音，反手就投诉了他。最后，老刘赔了客户一千块钱，才息事宁人。
就当是花钱买教训吧，老刘这样说。这点损失对老刘而言，简直微不足道，但是对于小五来说，就有点吃不消了。
小五也遇到过一个狡猾的客户，对方是个内行人，知道什么能说什么不能说，但是小五不知道，毫无意外，小五被抓住了把柄。那一次，客户提出无理的要求，让小五替他还清欠款，小五也只能无奈照做。
幸好那个客户的欠款不多，只有两千多元，不过也让小五心疼了好一阵。
小五红着眼圈问我：“我只是让他还钱，难道欠了钱不应该还吗？”
面对抽噎的小五，我选择了沉默。
后来，小五对我说，他觉得自己变了。若是以前的他，受了这般委屈，一定会毫不犹豫地辞职。但是现在不一样了，他感受到肩上的责任，也动了结婚的想法，所以要好好挣钱。
是啊，世人匆匆忙忙，不过是图碎银几两。大家都是为了赚钱，为了混口饭吃，欠钱的人是因为钱，催收的人也是因为钱，信贷公司放贷是为了钱，催收公司催款也是为了钱。
至于催收行业，民法典里没有这个行业和概念，最多相当于被委托人的角色。所以毫无疑问，催收是游走在灰色地带的产业。
人们对于催收的理解，往往停留在“暴力催收”这个字眼上，暴力催收肯定有，但也只是少数。凡是想认真做生意的公司，都会想办法维护好和甲方的关系，肯定不会使用暴力手段。
其实我觉得，催收更应该是一种拯救，给别人一个悬崖勒马的机会。亡羊补牢，避免出现更大的信用损失。
就像一位前辈所说，很多人年轻的时候欠了几万几十万，到了三四十岁，账户里的钱就开始增加，有的甚至到几百万、几千万，这就是人生的大起大落。
欠了钱的人，也没多少是真还不起，多是账目大到足够摧毁希望。结清了欠款账单，一定还有机会赚更多的钱。
正所谓有借有还。欠钱不还，自然会有人来要。
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