Collectors

It's 8 o'clock on a Sunday night in the Pakistani capital, but collection cowboy Sharoon Hermoon is living on U.S. time. Headset in place, feet on his desk, he aims his speed dialer at a debtor in Fort Worth, Texas. "Hello, ma'am, how ya doin' today?" he says in a convincing American accent. "My name is James Harold and you owe us $11,000." There's a deer-in-the-headlights moment at the other end, then a deep breath, then a torrent of excuses. "I don't know what you're talking about," she says.