The New York Times, April 22, 2010 by Bernice Yeung
http://www.nytimes.com/2010/04/23/us/23sfdebt.html?scp=2&sq=east%20bay%20com
“We found that these law firms count on a huge percentage of the people that they sue defaulting,” or not responding to the legal actions, said Osha Neumann, a lawyer with the East Bay Community Law Center, which is affiliated with the University of California, Berkeley, and organizes and trains local lawyers in debt-collection defense. “The debtors don’t respond because they don’t know how, and that’s how the debt buyers make their money.”