There is a problem in America's debt collection system.

http://www.startribune.com/investigators/101723868.html?elr=KArks:DCiU1OiP:DiiUiD3aPc:_Yyc:aUU

"in Minnesota, collectors can take people's money without proving in court the debt is owed."

"When mistakes occur, consumers often must go to court and prove it. Their money already taken, they typically cannot afford an attorney and must navigate the court system alone."

That sounds pretty scary.