I just disabled comments on this website. I figure I should take a moment to explain why.
When I started Caveat Emptor in 2005, there was very little accurate information about debt collection on the Internet. The accurate information that did exist was hard to sort out from the inaccurate information. I sued debt collectors and defended people sued by debt collectors, and I filled Caveat Emptor with information and analysis based on what I knew and what I learned from my day-to-day work.
Almost since the beginning, lots of people have left questions in the comments. Fewer lately, since I post less frequently, but I still get plenty of comments. I just don’t approve many of them because so many contain information that should not be posted on a public website. I wrote about this problem back in 2011:
I frequently get comments from people looking for help with a legal problem. Inevitably, these comments contain information about the facts of the case from the commenter’s point of view. Usually the commenter admits owing the debt in passing (such comments are usually about debt), but explains a theory of why there he or she ought to win, anyway.
This is a BAD IDEA.
Debt collectors read this website. Lawyers for debt collectors read this website. This website has been cited in at least one Fair Debt Collection Practices Act lawsuit (by the debt collector). Debt collectors use Facebook and other social media to find out about you. If you post information about your legal problems on this website—or any public website—chances are good that the other side will learn about it.
That remains true. I have always deleted comments that, in my judgment, contain information that should not go on a public website. But these days, those seem to be the only comments I get.
So no more comments. It’s for your own good.