Sued Into Submission: How the Debt Collection Industry Turns Courtrooms Into Collection Agencies for Low-Income Communities of Color
Across America, debt collection agencies are exploiting the legal system as a blunt instrument against Black and Latino families, securing default judgments, garnishing wages, and stripping households of financial stability with minimal judicial scrutiny. The machinery of civil debt litigation has been quietly engineered to favor creditors at every turn, leaving low-income defendants without counsel, without adequate notice, and without a fair chance. This investigation examines the structural f