Danny Davis actually said...

For the record, I want to be crystal clear. In today's world, private debt collection will only make a bad situation much worse.

Frederick Douglass said, "It is easier to build strong children than to repair broken men."

So it has a tremendous amount of potential.

Thank you very much, Mr. Chairman and all Members of the Committee. First of all, let me thank you for the opportunity to be here and to tes...