A lot of the issue with this is that people don't often know their rights. In most of these cases the person being sued can turn the tables and extract penalti

A lot of the issue with this is that people don't often know their rights. In most of these cases the person being sued can turn the tables and extract penalties from the debt collectors because they violate all sorts of laws that provide statutory penalty. Unfortunately no one reads the law until it affects them and often not even then.