Stop Collection Agency Harassment

Some collection firms go too far with exactly what I call "renegade collectors" they will repeatedly call you at your home and/or business, 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 cars and truck, earnings and other residential or commercial property if you do not pay your debt! Inappropriate collection treatments can frighten you into paying for costs that may not even be your responsibility.You are secured by the law from innapropriate collection treatments.

The Federal Fair Debt Collection Practices Act, the New York City Customer Defense Law Policy 10 and New York State Statute, General Organisation Law, Article 29-H, (the "State Statute") all restrict threatening, frightening and bothering 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 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 process or appearing to be licensed, provided or authorized by the federal government or an attorney to collect a debt.

Also, if the collector sends you a letter demanding you pay without the reuired notification under the federal law regarding your privacy, your rights to challenge the debt an dgiving you the suitable 30 days to react, 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 against the collection business 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 pestered by a collection agency. Send your written grievance, by certified mail, return receipt, to the owner/president and consist of in your letter that you "believe that agency is breaching the Federal Fair Debt Collection Practices Act and other state and local laws which 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 debt collector." Go ahead and file your charges and problems if the collection company continues to abuse and harrass you.

This short article is definitely ZFN ASSOCIATES 702-780-0429 not all inclusive and is intended just as a quick explanation of the legal concern presented. Not all cases are alike and it is strongly advised that you consult a lawyer if you have any concerns with respect to any legal matters.

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