Stop Debt Collector Harassment

Some collection companies go too far with what I call "renegade collectors" they will consistently call you at your home and/or company, threaten to send a marshall over to serve you with claim documents or send daunting letters, appearing to come from an attorney or law company, specifying that you will lose your vehicle, salaries and other home if you do not pay your debt! Improper 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 Protection Law Regulation 10 and New York City State Statute, General Company Law, Article 29-H, (the "State Statute") all forbid threatening, intimidating and bugging collection procedures. For instance, the State Statute forbids a collection agent from (a) threatening to communicate with your company prior to that agent obtaining a judgement versus you, (b) communicating with your family or family at such frequency or at such unusual hours as can reasonably be anticipated to be abusive or harassing, or (c) simulating any judicial or legal process or appearing to be licensed, provided or approved by a lawyer 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 dispute 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 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 mistreated or bothered by a collection agency. Send your composed grievance, by qualified mail, return receipt, to the owner/president and consist of in your letter that you "believe that agency is breaking the Federal Fair Debt Collection Practices Act and other state and local laws which you will (a) file grievances with the Attorney General or the District Attorney's office (subjecting the collection business zfn processing to misdemeanor charges) and (b) request a limiting action against the debt collection agency." Go ahead and submit your charges and complaints if the collection company continues to abuse and harrass you.

This post 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 highly recommended that you seek advice from an attorney if you have any questions with respect to any legal matters.

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