Stop Collection Agency Harassment

Owing a debt does not instantly subject you to bugging, threatening and other inappropriate collection agency behavior. Some debt collection agency go too far with exactly what I call "renegade collectors" they will consistently call you at your house and/or organisation, threaten to send out a marshall over to serve you with claim documents or send out intimidating letters, appearing to come from an attorney or law firm, stating that you will lose your car, salaries and other residential or commercial property if you do not pay your debt! It does not matter that you cannot pay a debt or that you can not manage to pay your debt at this time nobody must frighten, threaten or harrass you or persuade you to offer monetary or individual info. Unsuitable collection treatments can daunt you into spending for costs 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 Consumer Protection Law Guideline 10 and New York City State Statute, General Service Law, Short Article 29-H, (the "State Statute") all restrict threatening, intimidating and bugging collection treatments. The State Statute forbids a collection agent from (a) threatening to communicate with your company prior to that representative acquiring a judgement against you, (b) interacting with your household or household at such frequency or at such unusual hours as can fairly be expected to be abusive or harassing, or (c) imitating any judicial or legal process or appearing to be authorized, released or authorized by a lawyer or the government to gather a debt.

If the collection agent sends you a letter requiring you pay without the reuired notification under the federal law 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 ZFN Associates the amount of your damages. Each infraction of the State Statute is a separate misdemeanor offense. You can file accused of the State Chief Law Officer or your County District Attorney and also demand a limiting action against the collection business 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 complaint, 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 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 collection agency." If the collection business continues to abuse and harrass you, then go ahead and submit your charges and grievances.

This post is certainly not all inclusive and is planned only as a quick explanation of the legal concern presented. Not all cases are alike and it is highly recommended that you seek advice from an attorney if you have any concerns with respect to any legal matters.

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