>Fair enough, but it seems arbitrary and capricious In the current context of super-widespread collections abuse, I'd say such a suggestion is anything but arb

>Fair enough, but it seems arbitrary and capricious In the current context of super-widespread collections abuse, I'd say such a suggestion is anything but arbitrary. > it requires a specialized body of skill and knowledge that many businesses would rather not have to develop in-house. If that specialization and skill was a real thing, then we wouldn't see widespread abuse committed by the agencies like we do today. After all, virtually every abuse involves inaccuracy on the part of the agency.