In the early weeks of the coronavirus pandemic, as Bay Area courts postponed hearings to stop the spread of a new and frightening disease, the banks and debt buyers that file the bulk of lawsuits against individuals in America’s courts did something unheard of: They all but stopped suing.

The reprieve partially erased a years-long boom in lawsuits over unpaid bills in Santa Clara and San Mateo counties, where a third of all Bay Area residents live. 

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