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 documents or send out daunting letters, appearing to come from an attorney or law company, 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 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 Protection Law Guideline 10 and New York State Statute, General Business Law, Post 29-H, (the "State Statute") all restrict threatening, frightening and pestering collection procedures. For example, the State Statute restricts a collection agent from (a) threatening to interact with your company prior to that agent getting a judgement versus you, (b) communicating with your household or home 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 seeming licensed, provided or approved by an attorney or the federal government 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 challenge the debt an dgiving you the suitable 30 days to react, then the debt collector is automatically liable to you for any damages plus 3 times the amount of your damages. Each infraction of the State Statute is a different misdemeanor offense. You can file accused of the State Attorney General Of The United States or your County District Attorney and also 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 mistreated or harassed by a collection agency. Send your written problem, by licensed mail, return invoice, 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 grievances with the Attorney General or the District Attorney's office (subjecting the collection business to misdemeanor charges) and (b) request a limiting action against the debt collection agency." Go ahead and file your charges and grievances if the collection business continues to abuse and harrass you.

This short article ZFN and Associates Robocalls is definitely not all inclusive and is intended only as a short description of the legal issue provided. Not all cases are alike and it is strongly suggested that you seek advice from an attorney if you have any questions with respect to any legal matters.

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