He traveled the Bay Area in minutes to serve debtors with lawsuits. Was he made up?

There are numerous reasons why consumers do not respond, said Whitney Barkley-Denney, the deputy director of state policy at the Center for Responsible Lending, a nonprofit policy firm in Durham, N.C.

“Some people don’t show up because they don’t ever get notified,” she said. “But even if you do get the proper paperwork, it’s an intimidating process to go through.”