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Originally Posted by PDXBLAZERFAN
Think the state would ever require CA to use certified mail for the all important initial communication. Congress? Has this been proposed? Any debate record?
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I cannot see it happening unless the courts were expanded to accept the inevitable influx of filings that would follow. If you start making the initial costs of collecting on defaulted debt higher, you can bet that you would see many more cases being filed early in the process. And, my guess would be that even if such a requirement were to result in fewer third-party purchasers, that backlash would be seen very quickly in more OC's moving to file even before an account reached the charge-off stage.
Beware what you wish for...