flyingron;675355]A junk debt buyer is NOT subject to FDCPA. That applies only to collection agencies collecting for other parties.
JDB's are subject to the FDCPA but it still does not do what john wants it to do.


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.