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I have question if a JDB can operate in this state?

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It depends on who you are referring to. If it is a junk debt buyer, they own your account legally and can file suit against you anywhere you live. They are not acting as a debt collector at that point, they are acting as a plaintiff. No license is required to bring suit. If they are a collection agency acting on behalf of the creditor, they probably have to be licensed. Some firms do both, like Midland. Be sure who is bringing suit.

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