The issues here go far beyond unlawful collection practices, but about these companies being allowed to collect on debts just because they forward a claim with no proof whatsoever of what they are saying. Claiming that the originals creditor's data is enough is even worse. The FFDCPA need to be revised, pronto!! In the case of credit card debt, the original creditor charges off the debt with a juicy tax write off, they probably collect insurance and then have the audacity to sell the debts for pennies on the dollar sometimes to several outfits. Some of which are under class action lawsuits right now thanks to valiant attorney generals in several states. Don't you think that if they offered settling for pennies on the dollar, the clients would jump at this opportunity? Then some even bring lawsuits and collect again. How many times is this debt going to be paid? To add, credit card contracts are contracts of adhesion and they are non transferable. But, the trading in Wall Street for debt collection is a very productive business, so on it goes. The responsibility lies within the government officials, who are supposed to serve the people, for allowing this kind of insult to justice and for the court system allowing so many default judgments in favor of the big banking corporations. When will it stop and how long will it take for someone to take action????? If you think people are not studying these issues, then the government is out of touch with reality.