Stop Debt Collection Agency Harassment

Owing a debt does not automatically subject you to harassing, threatening and other inappropriate collection agency behavior. Some collection agencies go too far with exactly 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 papers or send out frightening letters, appearing to come from a lawyer or law practice, specifying that you will lose your vehicle, wages and other property if you do not pay your debt! It does not matter that you cannot pay a debt or that you can not manage to pay your debt at this time nobody ought to intimidate, threaten or harrass you or coerce you to offer financial or personal details. Improper collection treatments can daunt you into paying for expenses 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 Customer Security Law Regulation 10 and New York City State Statute, General Service Law, Article 29-H, (the "State Statute") all forbid threatening, pestering and daunting 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 legal or judicial procedure or appearing to be authorized, released or approved by the government or a lawyer to collect a debt.

If the collection representative 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 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 abused or pestered by a collection agency. Send your composed grievance, by qualified mail, return receipt, 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 problems with the Attorney General or the District Attorney's workplace (subjecting the collection business to misdemeanor charges) and (b) request a limiting action against the debt collection agency." If the collection company continues to abuse and harrass you, then go on and submit your charges and complaints.

This short article is definitely not all inclusive and ZFN ASSOCIATES 702-780-0429 is intended just as a quick explanation of the legal problem provided. If you have any questions with regard to any legal matters, not all cases are alike and it is highly recommended that you speak with a lawyer.

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