>Fair enough, but it seems arbitrary and capricious
In the current context of super-widespread collections abuse, I'd say such a suggestion is anything but arbitrary.
> it requires a specialized body of skill and knowledge that many businesses would rather not have to develop in-house.
If that specialization and skill was a real thing, then we wouldn't see widespread abuse committed by the agencies like we do today. After all, virtually every abuse involves inaccuracy on the part of the agency.
In the current context of super-widespread collections abuse, I'd say such a suggestion is anything but arbitrary.
> it requires a specialized body of skill and knowledge that many businesses would rather not have to develop in-house.
If that specialization and skill was a real thing, then we wouldn't see widespread abuse committed by the agencies like we do today. After all, virtually every abuse involves inaccuracy on the part of the agency.