JDB's are subject to the FDCPA but it still does not do what john wants it to do.flyingron;675355]A junk debt buyer is NOT subject to FDCPA. That applies only to collection agencies collecting for other parties.
http://www.ftc.gov/os/statutes/fdcpa...s/arbuckle.htm
In sum, it is our view that a party that obtains consumer obligations in default for the purpose of collection is a "debt collector" under the FDCPA, even if that party actually purchases the accounts from the original creditor.

