This is actually what I said in my post.  As the OWNER of the debt, you are not governed by the FDCPA, only third-party collectors.  My only point was that in order to use truth as the defense to libel, you have to be SUED.  Then you win, but only after the court process, money and time.  That's also why you see resturants and such with bad checks hanging on the wall.  TECHNICALLY, they can do that since they are the owner of the debt and not covered by FDCPA, but it only takes one pissed off dead beat to cause all kinds of havoc.

 

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