Stop Debt Collection Agency Harassment

Some collection firms go too far with exactly what I call "renegade collectors" they will consistently call you at your home and/or organisation, threaten to send out a marshall over to serve you with suit papers or send daunting letters, appearing to come from a lawyer or law company, specifying that you will lose your car, earnings and other residential or commercial property if you do not pay your debt! Improper collection procedures can daunt you into paying for expenses that might not even be your responsibility.You are safeguarded by the law from innapropriate collection treatments.

The Federal Fair Debt Collection Practices Act, the New York City Customer Security Law Policy 10 and New York City State Statute, General Company Law, Post 29-H, (the "State Statute") all prohibit threatening, daunting and bothering collection treatments. For example, the State Statute restricts a collector from (a) threatening to communicate with your employer prior to that agent getting a judgement versus you, (b) interacting with your household or home at such frequency or at such unusual hours as can reasonably be expected to be violent or harassing, or (c) imitating any judicial or legal process or appearing to be authorized, released or authorized by the federal government or an attorney to gather a debt.

If the collection agent sends you a letter requiring you pay without the reuired notice under the federal law ZFN Associates regarding your privacy, your rights to contest the debt an dgiving you the appropriate 30 days to react, then the debt collector is immediately liable to you for any damages plus 3 times the quantity of your damages. Each violation of the State Statute is a different misdemeanor offense. You can file charges with the State Chief Law Officer or your County District Attorney as well as request a limiting action against the collection company to stop it from continuing abuse and harassment.

Call that agency and get the name and address of the owner/president if you feel mistreated or bothered by a collection agency. Send your written grievance, by certified mail, return invoice, to the owner/president and include in your letter that you "think that agency is breaking the Federal Fair Debt Collection Practices Act and other state and local laws which you will (a) file grievances with the Attorney General or the District Attorney's workplace (subjecting the collection company to misdemeanor charges) and (b) demand a restraining action versus the debt collection agency." Go ahead and submit your charges and complaints if the collection business continues to abuse and harrass you.

This article is definitely not all inclusive and is intended just as a brief description of the legal issue provided. Not all cases are alike and it is strongly advised that you consult a lawyer if you have any questions with respect to any legal matters.

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