https://www.pewtrusts.org/en/research-and-analysis/reports/2020/05/how-debt-collectors-are-transforming-the-business-of-state-courts
http://ibhf.cornell.edu/docs/Symposium%20Papers/Cheng.pdf
https://iaals.du.edu/sites/default/files/documents/publications/landscape_civil_justice_report_2015.pdf
https://digitalcommons.law.umaryland.edu/cgi/viewcontent.cgi?article=2443&context=fac_pubs
https://legalaidresourcesdotorg.files.wordpress.com/2021/04/consumers.pdf
