It's also pretty easy for the debt collectors to run afoul of the FDCPA, FCRA, or TCPA when trying to collect. A tactic used by some is to countersue hoping that worst case the case gets dropped and best case they make a little money. Another one, buried in most older credit card contracts is an arbitration clause. Most of those specify all issues to be settled in arbitration, paid for by the CC company and it gets expensive fast. So, debt collector sues, debtor files a motion to compel arbitration under terms of the contract (Since they don't just buy the debt they also must abide by all terms of the original contract), debt collector goes away.