A recent court case out of Washington state may not have much effect on Michigan cases at the moment, but it could eventually lead to a Congressional fix for the Fair Credit and Reporting Act.
One of the most frustrating aspects of being a creditor is the act of collecting the debt that someone owes you. In a perfect world, the debtors would pay back their creditors in a timely and efficient manner, but that simply doesn't happen. We don't live in a perfect world. Instead, the creditors have to proceed with their collection efforts in a professional and legal manner, exhausting each step until the debt is collected.