No doubt. But I'm simply describing how the law works - the very same law that lenders and collectors and banks and governments use every little tiny itsy-bitsy speck of a piece to go after everyone else.
So of course, morality demands the general public never do the same right back to these entities, right? : )
There are a solid group of FReepers who fervently believe that there is one set of laws for the little people and one set of laws for moneyed people.