I have worked in the debt recovery industry for a few years now as well as have gained some relevant qualifications. I do enjoy the nature of the work and would like to stay in this field however I?m not certain if I am prepared to keep working for someone else when I know I can do this on my own. Therefore I was thinking of setting up my own debt recovery business, but I?m not sure if it?s not too late? Seems like the field is pretty cramped and the competition would be enormous.