Protection against exploitative debt collection practices extends to non-citizen residents with US bank accounts and employers. Granted, it's effective coercion if the visa-holders think it's effective, so there's definitely some cultural integration and teaching stuff there, but it can definitely be done.

Granted, if family in the mother country are effectively held hostage to the debt payments, that's a different story, but there can be enough protection for US law to protect h1b workers against exploitation by law-abiding employers and creditors.