There are two issues that should be pointed out.
First, these practices are simply not acceptable. Suing someone without proper support should not be permitted. Obtaining default judgments when you know that you have not properly served someone needs to be stopped. This lawsuit from the California Attorney General goes a long way to stopping that.
Second, the sheer volume of lawsuits filed by debt collectors clogs the court. “Tort reformers” talk about how many lawsuits are filed by personal injury attorneys. JPMorgan Chase was filing more in a DAY than are filed in months by personal injury attorneys. And that is just one debt collector. This clogging of the court uses judicial resources that could be used to help so many more Californians. While JPMorgan, Capital One, Brachfeld and Associates, Legal Recovery Law Offices, Frederick J. Hanna and Associates and the other debt collectors have every right to use the court system, if they are filing lawsuits without making sure they have the proper paperwork, it delays, even denies, justice for the rest of us.
Remember, debt collector’s will come after you aggressively. While the California Attorney General is doing her part to stop this, you must still be vigilant and protect your rights.