The only thing is, their favorite MO is to sewer serve, going straight for the default. On any correspondence, it is very helpful to the CMRRR# ON THE LETTER. Not only do you have a reference, it can also save your behind. They tried to sewer serve my husband at a non-existent address (through Wolpoff), even though there were four CMRRR's sent/signed for. This was proof that they deliberately attempted sewer service and the case was dismissed.
Also, if you see a hard inquiry from any "law firms", immediately send a "permissible purpose" letter, also putting the CMRRR # on the letter. As above, this will save your behind if they sewer serve and go for the default. Having proof that they had a correct addres could make any default get vacated.