Greetings..

agreed rushpat:

It's not uniform in all states. In my state of Georgia, debt collectors don't have to be state-licensed. Also, they can be required to deposit a $50,000 bond with the Superior Court Clerk in the county they are doing business, but only if they do a certain amount of business per year (not sure if that is an absolute dollar amount or number of debtors contacted...)

states vary in their own provisions.. you may find some state more stringent against debt collectors (more favourable to consumers) than what §1692 provides for... & accordingly shouldst cite them.. additionally.. you may want to look into §1681 (FCRA) as well as other "applicable" features that may be availed to you..

peace