Many debtors’ counsel have done quite well with counterclaims against creditors’ counsel for FDCPA violations. On the other hand, a “ready, fire, aim” policy is no more appropriate on the debtors’ side than on the creditors’ side. A debt collector whose conduct complies with the pertinent appellate court’s definition of a "safe haven" should not have to endure a baseless counterclaim and should be entitled to sanctions for the need to mount a defense in such circumstances.