The Debtor Class — Ivan G. Goldman

Fresh from prison, young Bento stumbles into a job at a quirky collection agency, joining an unconventional crew that works out of a former warehouse where bats and pigeons roost in the rafters. Collectors scavenge among hammered victims of an economy that never seems to work for them. Debtors include patsies, cheats, liars, bewildered shopaholics, and furiously dedicated deadbeats. All bought the American dream but couldn't pay the price.
"Bill collectors are like priests," says a crew member. "You can tell me anything."
Battered "schmoes" do just that, sharing secrets with collector-confessors who in some cases only recently exited the list of shame themselves.
A blue-skinned survivalist cop dreams of acceptance as he schemes to steal drug money; a young woman with a masters in library science waves to drivers from inside a chicken costume; a world-renowned author is picked clean by an ex-girlfriend; an Air Force navigator loses control as he transports corpses of the fallen back to the States; and lovers find each other at the other end of a collection call.