Credit card companies have been facing challenges with debt collecting, much like the big banks have. The main problem is with the lawsuits being filed against consumers. Most of the paperwork filed against consumers is incomplete or inaccurate. “I would say that roughly 90 percent of the credit card lawsuits are flawed and can’t prove the person owes the debt,” said Noach Dear, a civil court judge in Brooklyn. The Federal Trade Commission is working to improve the system of pursuing borrowers who do owe and aren’t paying.