"This is robo-signing redux."

So says Peter Holland, a lawyer who runs the Consumer Protection Clinic at the University of Maryland Francis King Carey School of Law.  Noach Dear, a civil court judge in Brooklyn, adds “I would say that roughly 90 percent of the credit card lawsuits are flawed and can’t prove the person owes the debt.”

It looks like the banks are using the same processes to collect credit card debt as they did with mortgage debt:  file suits which rely on erroneous documents, incomplete records and generic testimony from witnesses.  And they are winning many cases as the debtors often do not show up in court.