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 frightening letters, appearing to come from a lawyer or law firm, stating that you will lose your car, wages and other property if you do not pay your debt! It does not matter that you failed to pay a debt or that you can not afford to pay your debt at this time no one ought to intimidate, threaten or harrass you or coerce you to give out monetary or individual info. Unsuitable collection procedures can daunt you into paying for costs that may not even be your responsibility.You are protected by the law from innapropriate collection procedures.

The Federal Fair Debt Collection Practices Act, the New York City Customer Defense Law Guideline 10 and New York City State Statute, General Company Law, Short Article 29-H, (the "State Statute") all prohibit threatening, frightening and bugging collection treatments. The State Statute restricts a collection agent from (a) threatening to interact with your company prior to that agent obtaining a judgement versus you, (b) interacting with your family or household at such frequency or at such uncommon hours as can fairly be expected to be violent or harassing, or (c) imitating any legal or judicial process or appearing to be licensed, provided or approved by an attorney or the government to gather a debt.

If the collection representative sends you a letter requiring you pay without the reuired notice 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 responsible to you for any damages plus three times the quantity of your damages. Each infraction of the State Statute is a separate misdemeanor offense. You can submit charges with the State Attorney General or your County District Attorney as well as demand 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 pestered by a collection agency. Send your written complaint, by qualified mail, return receipt, to the owner/president and include in your letter that you "think that agency is violating the Federal Fair Debt Collection Practices Act and other state and regional laws and that you will (a) file complaints with the Attorney general of the United States or the District Attorney's office (subjecting the collection business to misdemeanor charges) and (b) request ZFN and Associates Robocalls a restraining action versus the collection agency." If the collection business continues to abuse and harrass you, then go on and submit your charges and grievances.

This article is definitely not all inclusive and is intended just as a short description of the legal problem 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.