Stop Collection Agency Harassment

Some collection companies go too far with what I call "renegade collectors" they will repeatedly call you at your home and/or service, threaten to send out a marshall over to serve you with suit papers or send frightening letters, appearing to come from a lawyer or law firm, stating that you will lose your car, incomes and other home if you do not pay your debt! Unsuitable collection procedures can intimidate you into paying for expenses 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 Service Law, Short Article 29-H, (the "State Statute") all prohibit threatening, daunting and bothering collection procedures. The State Statute forbids a collection agent from (a) threatening to interact with your company prior to that agent getting a judgement against 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 appearing to be authorized, issued or authorized by an attorney or the government to gather a debt.

Also, if the collector sends you a letter demanding you pay without the reuired notification under the federal law concerning your confidentiality, your rights to challenge the debt an dgiving you the suitable 1 Month to react, then the debt collector is automatically liable to you for any damages plus 3 times the amount of your damages. Each offense 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 request a limiting action against the collection business to stop it from continuing abuse and harassment.

If you feel abused or pestered by a debt collection agency, call that agency and get the name and address of the owner/president. Send your composed complaint, by qualified mail, return receipt, to the owner/president and consist of in your letter that you "believe that ZFN and Associates agency is breaching the Federal Fair Debt Collection Practices Act and other state and regional laws and that you will (a) file problems with the Attorney general of the United States or the District Attorney's workplace (subjecting the collection company to misdemeanor charges) and (b) demand a restraining action against the collection agency." Go ahead and submit your charges and complaints if the collection business continues to abuse and harrass you.

This article is certainly not all inclusive and is meant 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 concerns with respect to any legal matters.

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