I’ve noticed a trend. Debtors are getting savvier. We could have foreseen this, even gone so far as to predict it; had it been a bug, we would have stepped on it.
Look around. Debtors today are computer driven, oriented with online bill paying, cell phones, GPS, PDA’s, and wireless internet access. Not only has "JOE PUBLIC" technically caught up, they now have more information at their fingertips than owning six generations of encyclopedias. They can look up fraud cases, research statutes of limitation, determine FDCPA guidelines, and probably know the GLBA compliance rules better than some of US!
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