I understand but I dont Understand

As a previous debt collection rep during my college years, I find it interesting reading through some of these complaints. I have learned in my experience that it is not the CA that charges excessive amounts of money to debtors it is the actual loan company(If the consumer actually ask questions about LATE FEES, NSF FEES, AND INTEREST RATES people would turn right around and walk out). The company I worked for did practice professionalism as well as followed FDCPA. Also I have learned there are so many debtors that take out payday loans with the intent to NEVER PAY THEM BACK. My question is why let your loan go to collections in the first place? Majority of loan companies have in-house collections before they send it away. Why let it go any further?