Stop Debt Collector Harassment

Some collection agencies go too far with what I call "renegade collectors" they will consistently call you at your house and/or organisation, threaten to send out a marshall over to serve you with lawsuit papers or send daunting letters, appearing to come from a lawyer or law company, mentioning that you will lose your cars and truck, wages and other residential or commercial property if you do not pay your debt! Improper collection procedures can intimidate you into paying for costs that may 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 Customer Security Law Guideline 10 and New York City State Statute, General Organisation Law, Post 29-H, (the "State Statute") all prohibit threatening, frightening and bugging collection treatments. For example, the State Statute forbids a collector from (a) threatening to interact with your company prior to that representative acquiring a judgement versus you, (b) interacting with your family or home at such frequency or at such unusual hours as can reasonably be expected to be abusive or harassing, or (c) mimicing any legal or judicial process or appearing to be licensed, released or authorized by the federal government or an attorney ZFN & Associates to gather a debt.

Also, if the collection agent sends you a letter demanding 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 three times the quantity of your damages. Each violation of the State Statute is a separate misdemeanor offense. You can submit charges with the State Attorney General Of The United States or your County District Attorney as well as request a limiting action versus 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 bugged by a collection agency. Send your written problem, by licensed mail, return invoice, 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 regional laws and that you will (a) file grievances with the Attorney general of the United States or the District Attorney's workplace (subjecting the collection business to misdemeanor charges) and (b) request a restraining 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 is definitely not all inclusive and is planned only as a brief description of the legal problem provided. Not all cases are alike and it is strongly suggested that you seek advice from a lawyer if you have any concerns with respect to any legal matters.

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