I would suggest that you consult with an attorney.
Do not rely on the interpretations of any casual board user. These federal statutes have various nuances that require a keen eye.
If you feel like you have a strong case, you can contact our law office to discuss your FDCPA claim - we cover New York and New Jersey.
Tel. (732) 858 - 1LAW (1529)
On the web at Samardin, L.L.C. | Law Office
You're welcome to call. There is no legal fee until you agree to it in writing.