I appreciated reading this because I work in the collections department at a large bank, and it was interesting to see a lot of what I already know confirmed while also learning a lot of new things about what happens to the debt after it leaves the bank. But come on... After all that griping, just two pathetic little paragraphs at the end under "What can be done about this?" that basically say "I'll leave it to the lawmakers." The writer is a lawyer; he couldn't come up with ANY solutions himself?