No. of Recommendations: 2

You wrote, Joel, you are assuming these companies operate lawfully and ethically. That doesn't always happen. According to Clark Howard, this is still going on. Also, if a collection attorney brings takes a suit to court and you don't show up to dispute it, the judge could award them a judgement even if the debt was never yours.

I don't know what to tell you. People do things that are against the law all the time. It doesn't mean they're right. It also doesn't mean you shouldn't sue them if you deem it worthwhile.

Also I wouldn't fear litigation like this as long as I get properly served. Real problems occur when process server fraud is committed. The fraud was so widespread that the city of New York now requires all licensed process servers to carry a GPS system that logs their locations. According to the NY Post, the problem is still pretty common.

- Joel
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