The Federal Fair Debt Collection Practices Act, the New York City Customer Defense Law Policy 10 and New York City State Statute, General Company Law, Article 29-H, (the "State Statute") all prohibit threatening, frightening and pestering collection procedures. For instance, the State Statute prohibits a collector from (a) threatening to interact with your company prior to that agent obtaining a judgement against you, (b) interacting with your household or home at such frequency or at such unusual hours as can reasonably be anticipated to be violent or harassing, or (c) mimicing any legal or judicial procedure or seeming licensed, released or authorized by the government or an attorney to collect a debt.
If the collection representative sends you a letter requiring you pay without the reuired notice under the federal law regarding your privacy, your rights to challenge the debt an dgiving you the proper 30 days to react, then the debt collector is automatically accountable 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 Chief Law Officer or your County District Attorney and also 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 pestered by a collection agency. Send your written complaint, by licensed mail, return receipt, to the owner/president and consist of in your letter that you "believe that agency is violating the Federal Fair Debt Collection Practices Act and other state and regional laws and that you will (a) file problems with the Attorney general of the United States or the District Attorney's office (subjecting the collection business to misdemeanor charges) and (b) request a limiting action against the collection agency." If the collection business continues to abuse and harrass you, then go ahead and submit your problems and charges.
This article is definitely not all inclusive and is meant just as a short explanation of the ZFN Associates legal problem presented. Not all cases are alike and it is highly recommended that you seek advice from an attorney if you have any concerns with respect to any legal matters.