Defendants-appellants Steven and David Rostoff (the “Rostoffs”) appeal the government’s successful use of the Federal Debt Collection Procedures Act (“FDCPA”), codified at 28 U.S.C. § 3001 et seq., to obtain a civil judgment in the amount of the Rostoffs’ outstanding obligations under an order of restitution previously issued pursuant to a provision of the Victim Witness Protection Act (“VWPA”), 18 U.S.C. § 3663. We affirm in part and vacate and remand to the district court for further proceedings.
I. Background
Together with separately sentenced co-conspirator James Harris, the Rostoffs fraudulently induced the Bank for Savings, a federally insured financial institution, to grant ill-advised loans totaling over $30 million to investors in the Rostoffs’ real estate schemes. 1 Collection efforts on these loans apparently soured after the crash of the New England real estate market. Investigation of the bank’s subsequent failure uncovered the brothers’ wrongdoing, and the United States prosecuted the Rostoffs for bank fraud, false statements, and conspiracy. After conviction, the district court imposed on each Ros-toff a sentence that included a prison term, two years of supervised release, and an order of restitution to the FDIC as successor-in-interest to the failed bank. The order was not specific as to amount. Rather, it provided only that total restitution was “not to exceed $650,000.” The order also required the Rostoffs to pay in installments as determined by the probation department.
During supervised release, the Rostoffs paid very little of their restitution obligation — David paid $8,200 and Steven paid $7,463.21. David Rostoff did, however, ac *65 tively and successfully work to restructure and refinance two assets in which he had certain partnership interests: the Tangle-wood Apartments and the Hickory Ridge Apartments. Steven Rostoff had an interest only in the Tanglewood complex. As part of the refinancing scheme, the Rostoffs transferred their respective interests in these assets to the wife of David Rostoff and that of their co-conspirator Harris. In violation of the terms of their supervised release, these transfers were not reported to the probation office until near the very end of the period. Indeed, the Rostoffs made several false representations to their respective probation officers regarding the state of their interests in the assets, and they never reported the identities of the recipients of the transfers. Furthermore, David Rostoff actively concealed contacts with co-conspirator Harris that he was also required to report; at these forbidden contacts, the two planned and executed the refinancing scheme.
Two weeks before the end of supervised release, which terminated on March 31, 1996, the United States initiated separate civil actions against each brother. The government essentially sought a declaration that the Ros-toffs’ restitution debt was outstanding and enforceable. The two cases were consolidated into the action now under review.
The Rostoffs initially sought to have the civil action dismissed on the ground that the restitution order expired, as a matter of law, at the termination of their respective periods of supervised release. The district court denied this motion, holding that the statutory language on which the Rostoffs relied limited only “the time period during which the [sentencing] court ... can require a defendant to make restitution payments, [and] not the time period during which a civil suit by a victim to enforce the restitution order may be prosecuted.”
United States v. Rostoff,
On appeal, the Rostoffs assert multiple claims of error. First, they again contend that the order of restitution expired at the end of the period of supervised release and that they may not be held liable for its unpaid balance. Second, they claim that the government may not use the FDCPA to collect the restitution debt. Finally, they assert violations of their constitutional rights, clear error in the assessment of their abilities to pay the restitution, and lack of authorization *66 for the assessment of the § 3011(a) surcharge. We address these issues seriatim.
II. The Enforceability of the Restitution Order
Relying on the language of 18 U.S.C. § 3663(f)(2) and on the decisions of several of our sister circuits, the Rostoffs contend that the order of restitution terminated at the end of their period of supervised release and is therefore uncollectible. Their reliance is misplaced and we affirm the decision of the district court.
The disputed portion of the applicable version 3 of 18 U.S.C. § 3663(f) states:
(1) The court may require that such defendant make restitution under this section within a specified period or in specified installments.
(2) The end of such period or the last such installment shall not be later than-
(A) the end of the period of probation, if probation is ordered;
(3) If not otherwise provided by the court under this subsection, restitution shall be made immediately.
18 U.S.C. § 3663(f) (1994). Because this dispute is purely a matter of statutory interpretation, we review the district court’s ruling
de novo. See United States v. De Luca,
We agree with the district court that subsection (f) controls the authority of the sentencing court. The subsection contains no provisions regarding the enforcement powers of the district court in this case. It simply authorizes the sentencing court to impose an order of restitution. In the normal case, payment of restitution is due immediately. See 18 U.S.C. § 3663(f)(3). In its discretion, the sentencing court may elect to make restitution due in installments, or at the end of a specified period. See 18 U.S.C. § 3663(f)(1). The sentencing court’s discretion in this regard is constrained: payment must fall due by the end of the period of supervised release. See 18 U.S.C. § 3663(f)(2).
The Rostoffs argue that 18 U.S.C. § 3663(f)(2) governs the time in which the restitution order may be enforced. Under their view, the unpaid restitution obligation was not delinquent at the end of the period of supervised release. Rather, it ceased to exist.
We do not agree. The fact that the last payment of restitution is
due
at the end of supervised release has nothing to do with the duration or expiration of the restitution order.
See United States v. House,
*67
Viewing subsection (f) in the context of the whole of § 3663 confirms this view.
See Kelly v. Robinson,
An order of restitution may be enforced—
(1) by the United States—
(A) in the manner provided for the collection of payments and fines in [18 U.S.C. §§ 3611-3615]; or
(B) in the same manner as a judgment in a civil action; and
(2) by a victim named in the order to receive the restitution, in the same manner as a judgment in a civil action.
(emphasis added). The incorporated citations in subsection (h)(1)(A) make, inter alia, every fine a lien in favor of the United States. See, e.g., 18 U.S.C. § 3613. Such liens may be enforced for twenty years. Id. Similarly, judgments in favor of the government in civil actions are enforceable according to the law of the state in which the district court sits. See Fed.R.Civ.P. 69(a). In Massachusetts that period is twenty years. See Mass. Gen. Laws ch. 260, § 20. If the Rostoffs’ reading were correct, and the restitution order was limited by the probationary period, it would render both these provisions of subsection (h) nugatory. 5
To avoid this complication, the Rostoffs appear to claim that subsection (h) applies only to orders of restitution that are due immediately; for example, they distinguish contrary holdings in
House
and
Keith
on the grounds that they concern only restitution orders under subsection (f)(3) and not under subsection (f)(2). There is nothing in subsection (h) that so restricts its scope. Moreover, the construction advanced by the appellant would create the anomalous result that an order of restitution that is due immediately expires twenty years after it is issued, while an order of restitution due in the future expires the instant its due date passes. We can identify no plausible logic that would support such a result.
6
Indeed, this construction gives defendants an incentive to “run[ ] out the clock in the fourth quarter of play” rather than to redress their wrongs.
Rostoff,
Furthermore, making a restitution obligation coterminous with the period of supervised release appears to defeat one of the purposes of the VWPA. Congress expressly stated that the VWPA authorized courts for the first time to order restitution independently of probation. See id. at 2536. Congress felt that restitution had too long been a poor stepchild of sentencing, rarely ordered and rarely enforced, and that victims were suffering as a result. Id. The VWPA authorizes restitution “in addition to any other penalty authorized by law,” 18 U.S.C. § 3663(a)(1), not as an adjunct to another penalty, such as supervised release. The Rostoffs’ construction defeats the independence of the penalty of restitution.
Nevertheless, the Rostoffs urge us to accept their position, arguing that certain decisions of our sister circuits have adopted their interpretation of the relevant language.
See United States v. Diamond,
Similarly, part of the underlying rationale of each cited decision was the fact that a promissory note or consent agreement would impermissibly restrict the sentencing court’s ability to modify the restitution order during the probationary period. Congress expressly authorized the sentencing court to make such modifications.
See
18 U.S.C. § 3663(g) & (i)(3);
see also United States v. Springer,
In any event, to the extent the reasoning of the cited courts may be inconsistent with our result, we find the decisions unpersuasive.
7
Following the lead of the Seventh and Tenth Circuits, we conclude that 18 U.S.C. § 3663(f)(2) does not limit the time in which a restitution order may be enforced.
See House,
*69 In this case, the sentencing court ordered restitution of up to $650,000 payable over the period of supervised release. The last payment of the restitution obligation was therefore due on the final day of the supervised release. After that time, the Rostoffs became delinquent in their restitution obligation and the government had a right to seek payment. We affirm the district court’s determination in this regard.
III. The Government’s Use of the FDCPA
The Rostoffs also challenge the government’s use of the FDCPA to collect on the restitution debt. Before turning to the substance of this challenge, we note that— with the exception of the ten percent surcharge — the government did not have to rely on the FDCPA as the statutory basis for its suit. The United States has other methods of collecting amounts owed to it.
See
28 U.S.C. § 3001(b) (providing that collection procedures specified under other Federal laws govern where inconsistent with the FDCPA); 28 U.S.C. § 3003(b) (providing that the United States retains its authority under laws other than the FDCPA to collect debts “arising in a criminal case”);
United States v. Vitek Supply Corp.,
Congress enacted the FDCPA to create procedures by which the United States could more efficiently collect its debts without relying on a patchwork of state laws.
See United States v. Bongiorno,
In
Bongiorno,
the United States had attempted to use the FDCPA to collect a restitution order entered for violation of the Child Support Recovery Act. Because the proceeds of the collection effort would.inure directly to a private party (Bongiorno’s daughter) and not to the sovereign, we decided that the FDCPA was not the proper vehicle for collecting the restitution.
See
The Rostoffs could not and do not claim that the FDIC is “private.” 9 Rather, they claim that the restitution was originally owed *70 to the Bank for Savings. This fact is relevant, they contend, because the definition of “debt” under the FDCPA expressly excludes amounts “owing under the terms of a contract originally entered into by only persons other than the United States.” 28 U.S.C. § 3002(3)(B). Also, the Rostoffs cite a snippet of legislative history to the effect that a loan made by a failed, federally insured bank would not be collectible under the FDCPA. See 136 Cong. Rec. H13288 (daily ed. Oct. 27, 1990) (statement of Rep. Brooks). Hence, they conclude that the restitution in this case is not a “debt” under the FDCPA.
We do not accept this argument. The Rostoffs’ debt is owing under an order of restitution, not under the terms of a typical private contract, such as a loan agreement. Furthermore, the victim identified in the restitution order is the FDIC. Thus, neither the definitional exclusion nor the cited legislative history is apposite. Cf. 1990 U.S.C.C.A.N. 6630, 6636 (“ ‘Debt’ is defined broadly to include amounts owing to the United States on account of a ... loan insured or guaranteed by the United States as well as other amounts originally due the United States.”) (emphasis added). The controlling question remains: Who will receive the beneficial interest? In this case, it is the government. Therefore, the FDCPA is a proper collection vehicle. 10
IV. The Alleged Violation of Constitutional Rights
The Rostoffs argue that the “automatic” conversion of the restitution into a civil judgment long after the criminal case has ended violates their rights under the Fifth and Seventh Amendments. We reject this argument.
A. The Fifth Amendment
The Rostoffs claim that they were deprived of property without due process of law because the district court issued a civil judgment reflecting the unpaid balance of a restitution order "without consideration of their economic circumstances. Factually speaking, the Rostoffs are wrong, so we need not determine as a matter of law whether failure to consider an offender’s economic circumstances would implicate the Fifth Amendment.
The district court held a four-day trial specifically on the amount of restitution owed and the Rostoffs’ ability to pay. The Ros-toffs had an opportunity and did in fact present evidence at that trial. The court made findings as to the Rostoffs’ economic circumstances. Indeed, the court noted that it was not speculating as to future assets or earnings but rather working from the basis of what the Rostoffs could reasonably have paid during supervised release. Finally, the court actually reduced the initial judgment against Steven Rostoff because of its uncertainty as to whether he had sufficient assets from which to pay restitution. There was nothing “automatic” about the court’s arriving at the final figures. 11
B. The Seventh Amendment
The Seventh Amendment guarantees a right to a jury trial “[i]n Suits at common law, where the value in controversy shall exceed twenty dollars.” “The characterization of a proceeding for the purpose of determining the right to a jury trial should focus on the nature of the right adjudicated! not on the methods used to enforce the re-\ suiting judgment.” Bonnie Arnett Von Roe--
*71
der, Note, The Right to Jury Trial to Determine Restitution under the Victim and Witness Protection Act of 1982, 63 Tex. L.Rev. 671, 673 (1984). In other words, “[t]he enforcement method does not ... determine the nature of the [restitution] order.”
United States v. Watchman,
We see no reason why enforcement of a restitution order “in like manner as a civil judgment,” 18 U.S.C. § 3663(h), would somehow re-introduce a jury requirement. To require a jury trial to enforce restitution ordered at sentencing would have the same effect as requiring a jury trial
ab initio.
The original restitution order would be worthless, uncollectible without an additional jury trial. Such a requirement runs counter to the decisions in
Kelly
and in our sister circuits.
Supra.
We affirm the trial court’s rejection of the Seventh Amendment claim.
See Rostoff,
V. The Rostoffs’ Assets
The Rostoffs next contend that there was no evidence from which the district court could find that they owned valuable assets from which they could pay the restitution orders. We review a district court’s factual findings for clear error.
See
Fed. R.Civ.P. 52(a). Our deference is even greater when such findings are based on determinations regarding the credibility of witnesses.
See Anderson v. City of Bessemer City,
The Rostoffs do not contest that the restitution order obligated them to marshal whatever assets they had at their disposal to pay the designated victim.
See United States v. Rostoff,
Our examination of the record convinces us that the district court correctly determined that the Rostoffs’ interests in all three assets *72 had value, and that this value was sufficient to find that the brothers had the ability to pay the restitution order. As to both the Tanglewood and Hickory Ridge Apartments, the Rostoffs’ efforts during supervised release prompted certain lenders to forgive a substantial amount of indebtedness and to refinance the properties. To the extent these efforts improved the equity positions of the partners, the Rostoffs failed to marshal these benefits to pay off the restitution as required. They instead transferred their interests for no consideration to the wife of David Rostoff and that of his co-conspirator Harris. There is evidence that one of the women to whom the interests were transferred valued her 50% interests in Tangle-wood and Hickory Ridge — which the Rostoffs assert were valueless — at nearly four million dollars. The district court had an opportunity to judge the credibility of the witnesses and specifically adopted the calculations of the government’s expert with regard to the income-generating potential of the properties. Furthermore, the Rostoffs do not appear to contest the court’s finding, based on the testimony of the government’s expert, that funds in the form of management fees were siphoned off to David Rostoff and his' co-conspirator. As to the luxury condominium, the deed lists David Rostoff as a tenant-in-common. 13 In light of these facts, we discern no error, let alone clear error, in the district court’s conclusions.
VI. The Surcharge
The Rostoffs complain that there was no statutory authority for the ten percent surcharge added to the judgment in this case. The government confesses error on this point, but urges that we remand to the district court to determine whether its subsequent efforts in the separate civil suit, see supra note 2, merit imposition of the penalty. *73 Despite their opportunity to do so, the Ros-toffs submitted no reply brief on this or any other issue, and we therefore assume that they do not contest the propriety of the inquiry the government proposes. Having determined that the government correctly concedes error, 14 we therefore vacate the award of the surcharge and remand to the district court to address whether the government’s efforts during the pendency of this appeal now entitle the government to the surcharge and whether the district court has the power to assess the surcharge in these circumstances.
VII. Conclusion
For the foregoing reasons, we affirm the decision of the district court in part, except for the FDCPA surcharge, which we vacate and remand for proceedings consistent with this opinion.
Costs to appellee.
Notes
. A more detailed exposition of the Rostoffs’ crimes may be found in our opinion in
United States
v.
Rostoff,
. Following entry of the civil judgments underlying this appeal, the United States filed a second civil action against the Rostoffs and others allegedly holding their assets as straws. Among other steps taken in this attempt to collect the debt, the government exercised the lien provisions and the receivership provisions of the FDCPA, 18 U.S.C. §§ 3104 & 3201. To avoid further burdensome and perhaps unnecessary litigation in that case, the Rostoffs conditionally paid to the United States the entire amount of the judgments that are the subject of this appeal. In return, the United States filed a stipulation of dismissal in that action. But because this settlement is contingent on the outcome of this appeal, the United States must return any amount of the district court's judgment that we do not affirm.
. Congress amended the VWPA in 1996 by, inter alia, eliminating § 3663(f). See Anti-terrorism and Effective Death Penalty Act of 1996, Pub.L. No. 104-132, § 205(a)(2). Because the Rostoffs were convicted before the effective date of those changes, however, the pre-amendment statute is applicable. Id.
. We note that the legislative history is somewhat equivocal on this point. For example, it states that despite the potentially lifelong effects of crime on victims, "[t]he Committee ... recognizes that there may sometimes be a practical necessity in limiting the amount of restitution
*67
ordered and the period during which restitution payments are ordered to be made.” 1982 U.S.C.C.A.N. 2515, 2537-38. Thus, some courts have held that the defendant must be
capable
of making payment of restitution within the period the court chooses.
See United States v. Sleight,
. Because we read the statute as a whole,
see Kelly,
. The Rostoffs speculate that the anomalous result can be explained by Congress’s concern about defendants’ ability to pay restitution orders.
See
1982 U.S.C.C.A.N. at 2537-38 ("The Committee ... recognizes that there may sometimes be a practical necessity in limiting the amount of restitution ordered and the period during which restitution payments are ordered to be made.”). Yet Congress has already provided in the VWPA a method for a defendant to challenge restitution orders in the event he is unable to pay.
See
18 U.S.C. § 3663(g) & (i)(3);
see also United States v. Springer,
. None of the cited cases, for example, addresses the disparate treatment accorded restitution orders due immediately and those due in the future under the Rostoffs’ construction.
See supra
at 66. Nor does any address the perverse incentives such a reading entails.
See supra
at 66. Finally, each cites, directly or indirectly, a Seventh Circuit case,
United States v. Fountain,
We note that any divergence in authority is of less moment here than in the ordinary case. Subsequent amendments to 18 U.S.C. § 3663, see supra note 3, wipe out subsection (f) and with it any possible argument that the enforceability of restitution orders is limited in duration.
. Subsection 3579(f) is the predecessor to subsection 3663(f). The two contain identical language. The sections were renumbered without substantive change in 1984. See Pub.L. No. 98- *69 473, Title II, § 212(a)(1), (3), 98 Stat. 1987, 2010 (1984).
. For purposes of the FDCPA, the term "United States” includes "a Federal corporation." 28 U.S.C. § 3002(15)(A).
. This holding comports with the text and legislative history of the VWPA, which allows insurers to stand in the shoes of the victim, so that costs of crime are not borne in terms of higher premiums. See 18 U.S.C. § 3663(e)(l)("[T]he court may, in the interest of justice, order restitution to any person who has compensated the victim for such loss.”); 1982 U.S.C.C.A.N. 2515, 2537 (decrying the common practice of relieving offenders of their restitution debts by not ordering restitution to insurers, so "that insurance companies and the insurance-buying public are being asked to pay off the offender’s debt”).
. The Rostoffs’ other due process argument.— that the judgment did not conform to the parameters of the original sentence — has no merit. The sentencing judge commented at sentencing that "I'm sure counsel will explain to the defendants that if at the end of probation there is no possibility of [restitution’s] being paid, dren it will be remitted.” The trial judge in this case found that the Rostoffs had an ability to pay. We discern no disparity.
. We are mindful that the Supreme Court’s dicta included the following statement: "Under [the VWPA], defendants have no right to jury trial as to the amount of restitution, even though the Seventh Amendment would require such a trial if the issue were decided in a civil case.”
Kelly,
. David Rostoff argues that Florida homestead law protects his interest in the jointly owned condominium from civil judgments.
See
Fla. Const, art. 10, § 4. Because the FDCPA expressly provides that its remedies with respect to property co-owned by the debtor and another are govern'ed by the law of the state in which the property is located,
see
28 U.S.C. § 3010(a), he contends that the district court erred by including the value of his interest in the condominium in the court's assessment of his ability to pay. As a preliminary matter, David Rostoff provides us with no Florida case law to support his argument that the Florida homestead law applies to orders of restitution as a general matter. It appears to be an open question.
Compare Jones v. Carpenter,
Like the district court, however, we believe that defenses to execution were not appropriately raised at a trial in which the sole issue was the amount of restitution each Rostoff had the ability to pay. Rather, such defenses became relevant only when David Rostoff refused to pay and the government was forced to seek execution on its judgment. David Rostoff has not cited a single legal authority to the contrary below or on appeal.
Moreover, at numerous times during the trial, the district court made crystal clear its position with regard to the relevance of the homestead exemption defense and refused to hear argument about it. In the first of several colloquies on the subject of the condominium, for example, David Rostoff argued that issuing a judgment that could not be collected on account of the homestead exemption would create "busy work and expense for all involved." The district court invited David Rostoff to submit written legal argument on the point. He failed to do so. Furthermore, in subsequent colloquies regarding the condominium, David Rostoff never renewed the homestead exception defense, but rather appeared to accept both the court’s refusal to hear it and the court’s statements regarding the necessity of a second subsequent trial where the defense might be germane. In so doing, David Rostoff has failed to preserve any objection to the district court's refusal to hear the defense in this case, and, in any event, has failed to present developed argument that the refusal, in the context of this case, was wrong.
. The relevant statutory provision of the FDCPA, 18 U.S.C. § 3011(a), entitles the United States to a ten percent surcharge when the government invokes its remedies and procedures under Subchapters B & C of the FDCPA in an effort to collect a debt. These subchapters, codified respectively at 28 U.S.C. §§ 3101-3105 and §§ 3201-3206, authorize certain pre- and post-judgment remedies. Specifically, the pre-judgment remedies are attachment, receivership, garnishment and sequestration, while the post-judgment remedies include, inter alia, judgment liens, judgment enforcement, execution of judgment, and garnishment.
Because the instant action is more in the nature of an action to determine the amount of a debt, neither pre nor post-judgment remedies were involved. Notwithstanding the numerous cases where the surcharge has been added to the judgment without analysis where neither pre nor post-judgment remedies were sought,
see, e.g., United States v. Alphagraphics Franchising, Inc.,