I thought this was slightly slow moving at the beginning, but it really picked up and makes the listener/reader think deeply about the conspiracy aspect of the debt collection industry while showing how ruthless and corrupt they are. 

*Disclaimer: My score is a bit biased due to the fact that Covid is being used as a plot point. While I understand that it will forever be a huge part of our history, I personally prefer to stay away from stories that are directly referencing Covid in their plot*