> Meanwhile, in the US (based on FTC complaints statements) "we'll send some people to recover goods" is extremely illegal.
It's definitely possible in the UK (you just need a high-court order and to send in bailiffs).
I would be surprised if similar legal remedies don't exist in the USA (i.e. that if someone isn't paying something they legally owe, that you can't then organise for reposession of property via the court).
Companies obviously aren't just allowed to send heavies around, however I would assume most countries have a legal avenue to 'force' people into repaying a civil suit (which in the UK involves getting a high-court writ and then sending bailiffs who will seize property).
Meanwhile, in the US (based on FTC complaints statements) "we'll send some people to recover goods" is extremely illegal.