Consumers who are sued by debt collectors can defend in court by demanding that the debt collector prove it is entitled to collect the debt. Particularly when the debt collector is not the original creditor, the debt collector is frequently unable to prove it owns the debt. The result? The court dismisses the debt collector's case and the consumer wins.

Yesterday, the New York Times
Consumers in New York City are faced with unprecedented numbers of debt collection suits, according to a new
Loan servicers tack on all kinds of bogus fees and charges to consumers going through Chapter 13 bankruptcy and whose homes are being foreclosed upon, according to an

Consumers who file bankruptcy under Chapter 7 are supposed to have their debts erased. But a growing number of post-bankruptcy consumers are finding that debt collectors are continuing to pursue them for debts already discharged in bankruptcy. The driving force behind this phenomenon is a vibrant market in which debt buyers avidly buy and sell debts that should have been extinguished, according to an