On 15 May 2012 fraudulent debt collector Luebke Baker & Associates was penalized a record-breaking $3.1 million by the Federal Trade Commission. Official story linked below.
Debt Collectors Settle with FTC, Agree to Stop Deceiving and Abusing Consumers
Consumers Were Subjected to Collection Efforts for Magazine Subscription Debts They Did Not Owe, FTC Alleges
A few years' worth of comments from former employees, some of them far too desperate to defend their dirty jobs, can be seen in this other WCU thread:
Note that ''Settlement Dept'' and ''Specialty Dept'' were Caller ID CNAM tags LBA favored at one time. ''Consumer Settle'' would certainly fit that pattern.