As tax season is in full swing, Americans will be saving or spending their tax returns in a number of ways. If you're a collector with a plethora of debtors with outstanding debts, now would be the time to seek payment. According to a leading credit agency, nearly 42 percent of Americans paid off some debt with their tax returns during 2011. While this is a great statistic to read if you're a collector, it may be more important to watch out for the 13.2 percent who chose to use their tax returns for major, luxurious purchases. If a debtor shows neglect to you as a collector, then you have every right to file a bad credit report to their credit agency. Before sending that report, send a reminder before or very soon after the debtor has filed their taxes - all while keeping under the jurisdiction of the Fair Debt Collection Practices Act. Perhaps the debtor forgot about their debt to you, and the reminder could delay their plans to acquire something luxurious and instead divvy some of the funds to you.