Previously, the reason for not collecting debt was due to the higher cost of legal action, resulting in people using a variety of methods from simple reminders and payment plan offers, to intimidiation and threats.
Now that legal action is cheaper, courts will be requiring much more is done to ensure accuracy and fair representation. This will still be fairly cheap (things like ensuring the bank's data dump includes all the relevant documents, and verifying the records that make up the chain of custody for the debt, which are all just electrontic transactions), resulting in the ladder becoming firstly reminders and secondly a fair and accurate hearing in court, with hopefully no resorting to threats and intimidation.
Cheap and effective justice is something to be praised, and in this case will eventually reduce the cost of credit too - and increasing better informed consumers of credit mean a competitive marketplace, passing the savings on to where they will boost the economy overall.