R. R. Hayatuddin and C. W. Putri, “Debt Collector Ethics in Comparative Perspective Toward Balancing Creditor Interests and Consumer Protection: (Case Study of Kotamobagu District Court Decision Number 97/Pdt.G.S/2022/PN Ktg)”, almanhaj, vol. 8, no. 1, pp. 451–466, Jun. 2026.