The days of hanging up on those pesky debt collectors may be coming to an end. Some debt collection agencies are now harnessing the power of Big Data to take a scientific approach to profiling those who are more likely to pay up, and then working with them to get the debt paid. Using analytics and applying algorithms to filter through the “water hose” of deadbeats to get to the few that are willing to pay will bring a bigger return for companies trying to recover their cash. This will allow collectors to focus on a more positive approach as well by enabling more “self-service debt repayment” through customized re-payment plans that are workable for those who really want to pay their debts. Big Data’s promise in this space requires a new set of skills though: it’s not about being a database administrator. It’s about being able to analyze data and hash algorithms. Expect debt collectors to start hiring scientists very soon. A scientific approach to getting you to pay your past-due Visa card is the wave of the near-future.