Abstract: A fishing leader holding includes a cylinder that is positioned between and is attached to a first lateral wall and a second lateral wall. Each of the first and second lateral walls has a perimeter edge extending outwardly from the cylinder to define a spool. A catch is attached to the perimeter edge of one of the first or second lateral walls. The catch is configured to engage a hoop of a fishing leader when a fishing leader is extended along the cylinder. A hold is attached to the perimeter edge of one of the first or second lateral walls. A tether is configured to engage a hook of the fishing leader. The tether is releasably engageable with the hold. The cylinder is configured to receive the fishing leader such that the fishing leader extends around the cylinder and is retained on the cylinder with the hold and the catch.

Abstract: According to one embodiment of the invention, a method of debt recovery is provided. The method includes providing a device to a consumer owing a debt to a creditor. The device has a utility that becomes available to the consumer after being activated by the creditor. The method also includes indicating to the consumer that the utility of the device will be activated if the consumer contacts the creditor.