http://nationalcredit.com/details.html
In their own FAQ, they admit that if we as consumers "understand the system", then even pursuing court and a subsequent judgment will usually not produce anything of benefit to anyone. Read down the page toward the middle: "ACA member agencies report that less than four (4) percent of the money collected is as a result of legal action"
Talk about pulling back the curtain on the Wizard of Oz.

Thought you all might appreciate this. The emperor has no skin. Unless we give him ours!