Stop Debt Collector Harassment

Owing a debt does not immediately subject you to bothering, threatening and other unsuitable collection agency behavior. Some debt collection agency go too far with exactly 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 suit papers or send intimidating letters, appearing to come from an attorney or law office, 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 no one need to frighten, threaten or harrass you or push you to provide monetary or individual info. Unsuitable collection procedures can frighten you into spending for expenses that may not even be your responsibility.You are protected by the law from innapropriate collection treatments.

The Federal Fair Debt Collection Practices Act, the New York City City Customer Protection Law Guideline 10 and New York State Statute, General Business Law, Article 29-H, (the "State Statute") all forbid threatening, harassing and intimidating collection treatments. The State Statute restricts a collection agent from (a) threatening to communicate with your company prior to that agent acquiring a judgement against you, (b) interacting with your family or family at such frequency or at such uncommon hours as can reasonably be expected to be violent or harassing, or (c) replicating any judicial or legal process or appearing to be licensed, provided or approved by the federal government or an attorney to gather a debt.

Also, if the collection agent sends you a letter demanding you pay without the reuired notification under the federal law regarding your privacy, your rights to dispute the debt an dgiving you the proper One Month to respond, then the debt collector is instantly liable to you for any damages plus 3 times the amount of ZFN & Associates your damages. Each violation 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 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 abused or bugged by a collection agency. Send your written problem, by certified mail, return invoice, to the owner/president and include 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 complaints with the Attorney General or the District Attorney's workplace (subjecting the collection company to misdemeanor charges) and (b) request a restraining action versus the collection agency." Go ahead and submit your charges and complaints if the collection company continues to abuse and harrass you.

This short article is definitely not all inclusive and is intended only as a short description of the legal issue presented. Not all cases are alike and it is highly advised that you consult a lawyer if you have any concerns with respect to any legal matters.