Stop Collection Agency Harassment

Owing a debt does not automatically subject you to bugging, threatening and other inappropriate debt collector habits. Some collection agencies go too far with exactly what I call "renegade collectors" they will repeatedly call you at your home and/or organisation, threaten to send a marshall over to serve you with suit documents or send frightening letters, appearing to come from an attorney or law practice, mentioning that you will lose your car, earnings and other property if you do not pay your debt! It does not matter that you failed to pay a debt or that you can not manage to pay your debt at this time no one ought to frighten, threaten or harrass you or coerce you to provide financial or individual details. Unsuitable collection treatments can intimidate you into spending for costs that may 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 Security Law Policy 10 and New York City State Statute, General Organisation Law, Post 29-H, (the "State Statute") all prohibit threatening, intimidating and bothering collection procedures. For instance, the State Statute forbids a collector from (a) threatening to communicate with your company prior to that representative obtaining a judgement versus you, (b) communicating with ZFN and Associates Robocalls your household or family at such frequency or at such uncommon hours as can fairly be expected to be abusive or harassing, or (c) replicating any legal or judicial procedure or seeming licensed, provided or authorized by a lawyer or the government to gather a debt.

Also, if the collector sends you a letter demanding you pay without the reuired notice under the federal law concerning your privacy, your rights to dispute the debt an dgiving you the proper Thirty Days to react, then the debt collector is immediately liable to you for any damages plus 3 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 or your County District Attorney and also demand a restraining action versus the collection business to stop it from continuing abuse and harassment.

If you feel abused or bugged by a debt collection agency, call that agency and get the name and address of the owner/president. Send your written problem, by licensed 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 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 collection agency." Go ahead and file your charges and complaints if the collection company continues to abuse and harrass you.

This post is definitely not all inclusive and is meant only as a quick explanation of the legal concern presented. If you have any concerns with respect to any legal matters, not all cases are alike and it is highly suggested that you seek advice from an attorney.

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