ATLANTIC CITY, N.J. (AP) — These are the best of times, and the worst of times, for America's debt collectors. The prolonged economic turmoil has created more opportunity than ever for the profession, even while making it harder than ever to get folks to pay up. A gathering of debt collectors in Atlantic City this week found many willing to work out payment plans with debtors in which payments of as little as $5 or $10 a month are acceptable.