Stop Debt Collection Agency Harassment

Some collection firms go too far with what I call "renegade collectors" they will repeatedly call you at your home and/or company, threaten to send out a marshall over to serve you with suit documents or send out frightening letters, appearing to come from a lawyer or law firm, stating that you will lose your vehicle, salaries and other residential or commercial property if you do not pay your debt! Improper collection treatments can frighten you into paying for expenses that might not even be your responsibility.You are secured by the law from innapropriate collection procedures.

The Federal Fair Debt Collection Practices Act, the New York City Customer Security Law Guideline 10 and New York City State Statute, General Service Law, Post 29-H, (the "State Statute") all forbid threatening, frightening and bugging collection treatments. The State Statute restricts a collection agent from (a) threatening to communicate with your company prior to that representative 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 abusive or harassing, or (c) imitating any judicial or legal procedure or appearing to be authorized, issued or authorized by a lawyer or the government to collect a debt.

Likewise, if the collector sends you a letter demanding you pay without the reuired notice under the federal law concerning your privacy, your rights to contest the debt an dgiving you the appropriate 1 Month to react, then the debt collector is immediately liable to you for any damages plus three times the quantity of your damages. Each offense of the State Statute is a different misdemeanor offense. You can file charges with the State Attorney General or your County District Attorney as well as request a restraining action versus 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 abused or bugged by a collection agency. Send your written problem, by licensed mail, return receipt, to the owner/president and consist of in your letter that you "believe that agency is breaching the Federal Fair Debt Collection Practices Act and other state and local laws which you will (a) file ZFN and Associates Robocalls complaints with the Chief law officer or the District Attorney's office (subjecting the collection business to misdemeanor charges) and (b) request a limiting action against the debt collector." Go ahead and submit your charges and grievances if the collection business continues to abuse and harrass you.

This short 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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