Stop Debt Collector 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 a marshall over to serve you with claim documents or send intimidating letters, appearing to come from a lawyer or law company, specifying that you will lose your car, wages and other home if you do not pay your debt! Unsuitable collection procedures can frighten you into paying for expenses that may not even be your responsibility.You are protected by the law from innapropriate collection treatments.

The Federal Fair Debt Collection Practices Act, the New York City City Consumer Defense Law Policy 10 and New York State Statute, General Service Law, Short Article 29-H, (the "State Statute") all prohibit threatening, intimidating and bugging collection treatments. The State Statute forbids a collection representative from (a) threatening to communicate with your employer prior to that representative acquiring a judgement versus you, (b) interacting with your family or family at such frequency or at such unusual hours as can fairly be expected to be violent or harassing, or (c) replicating any legal or judicial procedure or appearing to be authorized, released or approved by the government or a lawyer to collect a debt.

Likewise, 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 contest the debt an dgiving you the appropriate One Month to respond, then the debt collector is immediately liable to you for any damages plus three times the quantity of your damages. Each violation of the State Statute is a different misdemeanor offense. You can file accused of the State Attorney General or your County District Attorney as well as request a limiting 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 certified mail, return receipt, to the ZFN & Associates owner/president and consist of in your letter that you "believe that agency is violating the Federal Fair Debt Collection Practices Act and other state and regional laws and that you will (a) file grievances with the Attorney general of the United States or the District Attorney's office (subjecting the collection business to misdemeanor charges) and (b) request a limiting action against the debt collection agency." If the collection company continues to abuse and harrass you, then go on and submit your charges and grievances.

This short article is definitely not all inclusive and is intended just as a brief explanation of the legal concern presented. If you have any concerns with respect to any legal matters, not all cases are alike and it is highly recommended that you speak with a lawyer.

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