Post-YBK: Here's one group that is profiting from the changeover to the new law almost as much as bankruptcy lawyers (and more so than even the credit card companies): corporate debt collectors. They buy delinquent accounts from the original lender, combine tough talk with amenable compromise, and make a profit from collecting not the entire amount due, but enough to cover their original investment. The most successful of the corporate "repo-men", Portfolio Recovery Associates, collects more than three dollars for every dollar it spends purchasing bad debt. Sweet gig, is that....