Cryptic crossword clue
Factors in debt collection 8

The most common and most likely answer to this crossword clue is the 8 letter word BAILIFFS

I've seen this crossword clue in The Guardian
B
A
I
L
I
F
F
S

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The cryptic/wordplay part
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This part involves a more complex hint, such as an anagram, homophone, hidden word, etc.
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Crossword Answer definitions

BAILIFFS noun
  1. (law enforcement) An officer of the court, particularly:
  2. A public administrator, particularly:
  3. A private administrator, particularly
  4. Any debt collector, regardless of his or her official status.

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