Reply #1: K&R Good articles

[leftstreet]

In the rare event that a consumer battles back, creditors frequently lack the documentation to prove their claim, and cases are dropped. That is because many past-due debts are owned not by the banks that issued them, but by debt collectors who bought, for cents on the dollar, a list of names and amounts due.

There's some massive scamming going on out there and people are completely unaware of it.
Until, of course, they're caught up in the middle of it.

Thanks for posting