21.   In Congress, efforts are under way to make it harder for consumers to put off debt collectors by declaring bankruptcy.

22.   In larger companies, armies of hundreds of guards provide security for top managers, act as debt collectors, protect customers and even gather intelligence.

23.   Instead, if Bush wins in New York without a fight, the only debt collectors would be Pataki and other party factotums.

24.   On the other hand, debt collectors are allowed to charge you a fee, usually a percentage of the amount you owe.

25.   One government debt collector, whose name was not made public, recently complained to Congress that his staff was being cut in half.

26.   The airy cosmopolitan is merely an assistant debt collector.

27.   The boat was located later near New Orleans, and debt collectors soon were after it.

28.   The law sets down nationwide rules for debt collectors.

29.   The law does not apply to charities, nonprofit groups and debt collectors.

30.   The sellers are former employees, debt collectors and a few savvy entrepreneurs.