Stop Collection Agency Harassment

Owing a debt does not instantly subject you to bugging, threatening and other improper debt collector habits. Some debt collection agency go too far with 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 claim documents or send intimidating letters, appearing to come from an attorney or law firm, mentioning that you will lose your automobile, earnings and other residential or commercial property if you do not pay your debt! It does not matter that you failed to pay a debt or that you can not afford to pay your debt at this time nobody need to daunt, threaten or harrass you or push you to give out monetary or personal information. Inappropriate collection treatments can daunt you into paying for costs that might not even be your responsibility.You are secured by the law from innapropriate collection procedures.

The Federal Fair Debt Collection Practices Act, the New York City Customer Defense Law Policy 10 and New York State Statute, General Organisation Law, Short Article 29-H, (the "State Statute") all prohibit threatening, harassing and frightening collection treatments. The State Statute restricts a collection agent from (a) threatening to interact with your employer prior to that representative obtaining a judgement versus 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) mimicing any legal or judicial procedure or appearing to be authorized, released or approved by ZFN Associates a lawyer or the government to collect a debt.

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 challenge the debt an dgiving you the suitable 30 days to react, then the debt collector is immediately accountable to you for any damages plus three times the quantity of your damages. Each infraction of the State Statute is a different misdemeanor offense. You can file accused of the State Attorney General Of The United States 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 collection agency, call that agency and get the name and address of the owner/president. Send your written problem, by licensed mail, return invoice, to the owner/president and include in your letter that you "think that agency is violating the Federal Fair Debt Collection Practices Act and other state and local laws which you will (a) file complaints with the Chief law officer or the District Attorney's office (subjecting the collection business to misdemeanor charges) and (b) request a limiting action against the debt collector." If the collection company continues to abuse and harrass you, then go on and submit your problems and charges.

This article is definitely not all inclusive and is planned only as a short description of the legal problem provided. Not all cases are alike and it is strongly suggested that you seek advice from an attorney if you have any questions with respect to any legal matters.

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