Stop Collection Agency Harassment

Some collection companies go too far with what I call "renegade collectors" they will consistently call you at your house and/or service, threaten to send a marshall over to serve you with lawsuit documents or send out daunting letters, appearing to come from an attorney or law company, specifying that you will lose your vehicle, wages and other home if you do not pay your debt! Improper collection treatments can daunt you into paying for costs 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 Consumer Defense Law Policy 10 and New York City State Statute, General Company Law, Short Article 29-H, (the "State Statute") all forbid threatening, intimidating and bugging collection procedures. The State Statute prohibits a collection representative from (a) threatening to communicate with your company prior to that agent getting a judgement versus you, (b) communicating with your household or household at such frequency or at such uncommon hours as can reasonably be anticipated to be violent or harassing, or (c) simulating any judicial or legal process or appearing to be licensed, provided or approved by the federal government or an attorney to gather a debt.

If the collection agent sends you a letter requiring you pay without the reuired notice under the federal law regarding your privacy, your rights to dispute the debt an dgiving you the proper 30 days to respond, then the debt collector is instantly 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 Chief Law Officer or your County District Attorney and also demand a restraining 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 harassed by a collection agency. Send your composed complaint, 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 ZFN & Associates state and regional laws and that you will (a) file grievances with the Chief law officer or the District Attorney's office (subjecting the collection business to misdemeanor charges) and (b) request a restraining action versus the collection agency." If the collection business continues to abuse and harrass you, then go ahead and file your charges and problems.

This post is certainly not all inclusive and is meant just as a brief description of the legal concern presented. If you have any questions with regard to any legal matters, not all cases are alike and it is strongly suggested that you seek advice from an attorney.

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