The DIFFERENCE between PEOPLE who believe they have books inside of them and those who actually WRITE books is sheer cussed persistence - the ABILITY to make yourself WORK at your craft, every day - the belief, even in the face of obstacles, that you've got something worth saying.
When you collect bad loans... you SURE learn a lot about making good ones. You also learn a lot about the power of PERSUASION, persistence and DESPERATION.