“There isn’t any empirical evidence that the number is the right number or even an accurate number,” said Mark Neeb, chief executive of ACA International, a trade group representing collection agencies, creditors, debt buyers, and lawyers. “Our concern there is that not all debt is the same. [There are] different types of debt, different ages of debt, different stages of it being worked. So there is not a one-size-fits-all for debt collection.”