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Sweden has this construct that you should probably just copy:

https://en.wikipedia.org/wiki/Enforcement_Authority

The US seems like it's stuck in the wild west ways of doing things.

Interesting concept, though the Wikipedia article itself seems to indicate this system has its flaws:

"In Sweden, even with the existence of the Enforcement Authority, it is still considered complicated, so most companies use debt collection companies for the process anyway, similar to in other countries."

Huh? I mean, if you don't pay a bill, it'll usually go to a private company trying to collect it at first. But they simply send out another bill with an additional charge added. After a few attempts they will in turn hand it over to the Enforcement Authority. I've never heard of anyone using anything but the Enforcement Authority as a last resort to claim a debt.

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