Wilson looked up into the lens of my hallway camera and smiled pleasantly. "Mr. Lynch," he said. "My name is Michael Wilson, and I’m with the Credit and Collections division of Innovative Online Industries." He consulted his clipboard. "I’m here because you have failed to make the last three payments on your IOI Visa card, which has an outstanding balance in excess of twenty thousand dollars. Our records also show that you are currently unemployed and have therefore been classified as impecunious. Under current federal law, you are now eligible for mandatory indenturement. You will remain indentured until you have paid your debt to our company in full, along with all applicable interest, processing and late fees, and any other charges or penalties that you incur henceforth." Wilson motioned toward the dropcops. "These gentlemen are here to assist me in apprehending you and escorting you to your new place of employment. We request that you open your door and grant us access to your residence. Please be aware that we are authorized to seize any personal belongings you have inside. The sale value of these items will, of course, be deducted from your outstanding credit balance."