Whether the federal Fair Debt Collection Practices Act (FDCPA) applies to judgment enforcement and if so which parts is an ongoing discussion in the field. Additionally many states have similar laws with broader reach than the federal law. I have even encountered county or local ordinances that touch upon enforcement activities.
Frankly, many of the prohibited practices are things FJR Judgment Recovery absolutely will not do. It is not a matter of whether the FDCPA applies or not. These tactics are simply mean, ineffective, and unnecessary. However, FDCPA can be improved and FJR Judgment Recovery supports certain changes that will be fair for creditors and debtors alike.
No matter what you think the law should be it is good for everyone involved in judgment enforcement to have a working knowledge of what the FDCPA and state laws actually say. While summaries and commentaries are great tools for general understanding it is worth becoming familiar with the text of the law.
The law includes definitions of creditor, consumer, and debt collector. How these words are used in the text to describe prohibitions and to carve out exceptions is important.
