My business is Accounts Receivable and I have delivered collection training in 25 different countries over the same number of years.
I viewed this film different than most, not just as entertainment, but as enter train ment.
Many jokes are made in the business of receivables of collecting with a baseball bat and a gun. However, the most effective techniques used in the movie, by those who had once been down and out themselves was 'listening' and 'empathy'. It is worth viewing the film just to enjoy the approach used by the former literature professor, now debt collector, quoting Henry Wadsworth Longfellow's, "The Villiage Blacksmith".
The film is about redemption, but to me, not so much the main character, but all of us, who but for fortune could be in the same situation as the clients of 'Lump Sum Collections'.
Could some of the acting have been richer or more nuanced. I suppose so, but don't let that get in the way of your enjoyment and the message.