Stop Debt Collector Harassment

Some collection firms 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 claim documents or send intimidating letters, appearing to come from a lawyer or law firm, mentioning that you will lose your automobile, salaries and other property if you do not pay your debt! Inappropriate 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 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 forbid threatening, frightening and bothering collection procedures. The State Statute restricts a collection agent from (a) threatening to communicate with your company prior to that agent getting 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 violent or harassing, or (c) simulating any judicial or legal process or appearing to be authorized, released or approved by the federal government or an attorney to collect a debt.

If the collection representative sends you a letter requiring you pay without the reuired notice under the federal law concerning your privacy, your rights to dispute the debt an dgiving you the suitable 30 days to react, then the debt collector is automatically responsible 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 charges with the State Chief Law Officer or your County District Attorney and also request a limiting action versus the collection company to stop it from continuing abuse and harassment.

If you feel abused or pestered by a collection agency, call that agency and get the name and address of the owner/president. Send your composed complaint, by licensed mail, return invoice, to the owner/president and consist of in your letter that you ZFN and Associates Robocalls "think that agency is breaking the Federal Fair Debt Collection Practices Act and other state and regional laws which you will (a) file complaints with the Attorney general of the United States or the District Attorney's workplace (subjecting the collection business to misdemeanor charges) and (b) demand a limiting action against the debt collector." If the collection business continues to abuse and harrass you, then go on and file your problems and charges.

This article is certainly not all inclusive and is meant just as a quick description of the legal concern presented. Not all cases are alike and it is strongly suggested that you speak with a lawyer if you have any concerns with respect to any legal matters.

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