This ruling does not affect the consumer's HIPAA privacy of health insurers' mail--or payments, or current 41 pounds of junk mail each person in the US receives every year (gulp, 100 million trees), but rather creditors’ third party representatives--collectors and lawyers, who attempt U.S. Mail communication regarding consumer debts. (Phone is a whooooole ‘nother but equally litigious problem)
Since 1978 the law has been basically a victim of the boiled frog theory. On its face, and on first reading, it appeared fair (the ironic first word in its name) for both consumers--the author was in the business pre-1978 and will attest that the industry was unrestrained to say the least-- as well as legitimate collection agencies and attorneys—but what a gold mine for the manufacture of predatory legal community members’ fees.
Would it be wrong in stating the vast majority of suits have swept up legitimate agencies in minor and technical cases such as the above? Maybe. Also, there are probably hundreds of thousands of threats of lawsuits that were settled with the debtor’s legal advisor and never made it to the filing, or court argument stage. One attorney requested $5000.00 from our company, ten years ago for specious violations of the law—where it doesn’t even apply-on a commercial (business to business) case!