Stop Debt Collection Agency Harassment

Some collection companies go too far with what I call "renegade collectors" they will repeatedly call you at your house and/or service, threaten to send a marshall over to serve you with lawsuit papers or send out daunting letters, appearing to come from an attorney or law firm, mentioning that you will lose your automobile, salaries and other property if you do not pay your debt! Improper collection treatments can daunt you into paying for costs that might not even be your responsibility.You are safeguarded by the law from innapropriate collection procedures.

The Federal Fair Debt Collection Practices Act, the New York City City Customer Security Law Regulation 10 and New York City State Statute, General Company Law, Article 29-H, (the "State Statute") all forbid threatening, intimidating and bugging collection procedures. The State Statute forbids a collection representative from (a) threatening to communicate with your company prior to that agent getting a judgement versus you, (b) communicating with your household or household at such frequency or at such uncommon hours as can fairly be expected to be violent or harassing, or (c) mimicing any judicial or legal process or appearing to be licensed, provided or approved by the federal government or an attorney to gather a debt.

Also, if the collection agent sends you a letter requiring you pay without the reuired notice under the federal law concerning your confidentiality, your rights to challenge the debt an dgiving you the appropriate 1 Month to respond, then the debt collector is instantly liable 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 Chief Law Officer or your County District Attorney and also 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 harassed by a collection agency. Send your composed problem, by licensed mail, return invoice, to the owner/president and include in your letter that you ZFN Associates "think that agency is violating the Federal Fair Debt Collection Practices Act and other state and regional laws which you will (a) file grievances with the Chief law officer or the District Attorney's office (subjecting the collection business to misdemeanor charges) and (b) request 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 problems.

This post is certainly not all inclusive and is meant only as a short description of the legal issue presented. If you have any concerns with respect to any legal matters, not all cases are alike and it is strongly advised that you consult an attorney.

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