yep. all seems pretty spot on. i like the fact that it says
"they will seize, garnish, attach, or sell your property or wages, unless the collection agency or creditor intends to do so, and it is legal to do so"
also, this looks like a condensed "FDCPA for dummies" type deal. understand, that the FDCPA does not apply to first party/original creditors. IE, say i work for 5/3 bank, and im calling you to collect on a debt you owe 5/3 bank, the FDCPA does not cover any of that. it only applies to 3rd parties (collection agencies, attorneys doing collections, companies that purchase bad debts, etc)