“I would say that roughly 90 percent of the credit card lawsuits are flawed and can’t prove the person owes the debt,” said Noach Dear, a civil court judge in Brooklyn, who said he presided over as many as 100 such cases a day."
http://dealbook.nytimes.com/2012/08/12/problems-riddle-moves-to-collect-credit-card-debt/
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Problems Riddle Moves to Collect Credit Card Debt
dealbook.nytimes.com
Judges said that big lenders were using inaccurate or incomplete records to go after consumers, including some who had already paid their debts.
http://dealbook.nytimes.com/2012/08/12/problems-riddle-moves-to-collect-credit-card-debt/?hp&_r=0