New York Judges Resist Claims by Debt Collectors.

[elleng]

“Like the Land of Oz, run by a Wizard who no one has ever seen,” Judge Straniere wrote, “the Land of Credit Cards permits consumers to be bound by agreements they never sign, agreements they may never have received, subject to change without notice and the laws of a state other than those existing where they reside.”

http://www.nytimes.com/2010/05/08/nyregion/08debt.html?pagewanted=1&hp